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 | 22,577,000 | 22,652,000 | 22,130,000 | 21,638,000 |
| Total loans | 8,473,000 | 8,959,000 | 9,509,000 | 9,154,000 |
| Allowance for loan losses | 136,000 | 138,000 | 165,000 | 104,000 |
| Securities available for sale | 5,805,000 | 5,925,000 | 5,749,000 | 5,425,000 |
| Securities held to maturity | 206,000 | 170,000 | 114,000 | 114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,082,000 | 20,078,000 | 19,503,000 | 19,115,000 |
| Interest-bearing deposits | 15,188,000 | 15,334,000 | 14,812,000 | 14,635,000 |
| Noninterest-bearing deposits | 4,894,000 | 4,744,000 | 4,691,000 | 4,480,000 |
| Equity capital | 2,427,000 | 2,524,000 | 2,546,000 | 2,453,000 |
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 | 303,000 | 589,000 | 892,000 | 1,149,000 |
| Interest expense | 48,000 | 105,000 | 168,000 | 236,000 |
| Net interest income | 255,000 | 484,000 | 724,000 | 913,000 |
| Noninterest income | 25,000 | 55,000 | 85,000 | 109,000 |
| Noninterest expense | 173,000 | 344,000 | 513,000 | 692,000 |
| Provision for loan losses | 41,000 | 61,000 | 89,000 | 179,000 |
| Pretax income | 66,000 | 134,000 | 207,000 | 151,000 |
| Income tax | 21,000 | 40,000 | 60,000 | 40,000 |
| Net income | 45,000 | 94,000 | 147,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,592,000 | 2,626,000 | 2,679,000 | 2,628,000 |
| Total capital | 2,725,000 | 2,763,000 | 2,819,000 | 2,732,000 |
| Risk-weighted assets | 10,630,000 | 10,947,000 | 11,212,000 | 10,972,000 |
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