Call reports 2004
CITIZENS STATE BANK — 2004
What CITIZENS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,004,000 | 59,094,000 | 60,140,000 | 60,832,000 |
| Total loans | 16,868,000 | 17,584,000 | 18,441,000 | 18,863,000 |
| Allowance for loan losses | 183,000 | 180,000 | 179,000 | 176,000 |
| Securities available for sale | 33,806,000 | 34,398,000 | 34,917,000 | 33,400,000 |
| Securities held to maturity | 2,643,000 | 2,642,000 | 2,358,000 | 2,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,191,000 | 50,636,000 | 51,242,000 | 52,002,000 |
| Interest-bearing deposits | 45,225,000 | 45,794,000 | 46,632,000 | 47,603,000 |
| Noninterest-bearing deposits | 4,966,000 | 4,842,000 | 4,610,000 | 4,399,000 |
| Equity capital | 8,336,000 | 7,934,000 | 8,480,000 | 7,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,469,000 | 2,215,000 | 2,983,000 |
| Interest expense | 165,000 | 335,000 | 516,000 | 709,000 |
| Net interest income | 569,000 | 1,134,000 | 1,699,000 | 2,274,000 |
| Noninterest income | 79,000 | 169,000 | 273,000 | 351,000 |
| Noninterest expense | 434,000 | 862,000 | 1,316,000 | 1,790,000 |
| Provision for loan losses | 3,000 | 5,000 | 11,000 | 17,000 |
| Pretax income | 238,000 | 461,000 | 675,000 | 847,000 |
| Income tax | 67,000 | 126,000 | 180,000 | 224,000 |
| Net income | 171,000 | 335,000 | 495,000 | 623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,102,000 | 8,266,000 | 8,425,000 | 7,938,000 |
| Total capital | 8,285,000 | 8,446,000 | 8,604,000 | 8,114,000 |
| Risk-weighted assets | 18,695,000 | 19,093,000 | 19,760,000 | 20,255,000 |
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