Call reports 2005
CITIZENS STATE BANK — 2005
What CITIZENS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 60,324,000 | 60,989,000 | 59,995,000 | 59,203,000 |
| Total loans | 19,033,000 | 20,542,000 | 20,916,000 | 21,734,000 |
| Allowance for loan losses | 181,000 | 185,000 | 189,000 | 187,000 |
| Securities available for sale | 34,687,000 | 33,039,000 | 32,823,000 | 31,953,000 |
| Securities held to maturity | 2,068,000 | 2,068,000 | 1,538,000 | 1,538,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,361,000 | 52,729,000 | 51,693,000 | 50,373,000 |
| Interest-bearing deposits | 47,871,000 | 48,003,000 | 47,161,000 | 45,451,000 |
| Noninterest-bearing deposits | 4,490,000 | 4,726,000 | 4,532,000 | 4,922,000 |
| Equity capital | 7,787,000 | 8,047,000 | 8,109,000 | 7,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,547,000 | 2,362,000 | 3,194,000 |
| Interest expense | 197,000 | 401,000 | 620,000 | 840,000 |
| Net interest income | 562,000 | 1,146,000 | 1,742,000 | 2,354,000 |
| Noninterest income | 114,000 | 216,000 | 309,000 | 400,000 |
| Noninterest expense | 471,000 | 942,000 | 1,411,000 | 1,888,000 |
| Provision for loan losses | 6,000 | 12,000 | 20,000 | 20,000 |
| Pretax income | 200,000 | 409,000 | 621,000 | 854,000 |
| Income tax | 49,000 | 105,000 | 160,000 | 220,000 |
| Net income | 151,000 | 304,000 | 461,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,089,000 | 8,242,000 | 8,399,000 | 7,938,000 |
| Total capital | 8,270,000 | 8,427,000 | 8,588,000 | 8,125,000 |
| Risk-weighted assets | 20,789,000 | 21,903,000 | 22,081,000 | 22,798,000 |
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