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 | 140,949,000 | 140,795,000 | 144,640,000 | 148,993,000 |
| Total loans | 110,411,000 | 112,165,000 | 115,733,000 | 122,285,000 |
| Allowance for loan losses | 973,000 | 972,000 | 962,000 | 1,156,000 |
| Securities available for sale | 17,734,000 | 16,345,000 | 17,861,000 | 16,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,997,000 | 118,923,000 | 120,298,000 | 123,947,000 |
| Interest-bearing deposits | 87,627,000 | 87,405,000 | 88,115,000 | 89,978,000 |
| Noninterest-bearing deposits | 31,370,000 | 31,517,000 | 32,183,000 | 33,969,000 |
| Equity capital | 13,815,000 | 14,032,000 | 14,964,000 | 13,653,000 |
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 | 2,100,000 | 4,204,000 | 6,383,000 | 8,687,000 |
| Interest expense | 448,000 | 895,000 | 1,341,000 | 1,834,000 |
| Net interest income | 1,652,000 | 3,309,000 | 5,042,000 | 6,853,000 |
| Noninterest income | 514,000 | 902,000 | 1,379,000 | 1,738,000 |
| Noninterest expense | 1,280,000 | 2,533,000 | 3,732,000 | 5,277,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 1,072,000 | 1,864,000 | 2,875,000 | 3,300,000 |
| Income tax | 361,000 | 624,000 | 955,000 | 1,109,000 |
| Net income | 711,000 | 1,240,000 | 1,920,000 | 2,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,674,000 | 14,203,000 | 14,883,000 | 13,628,000 |
| Total capital | 14,647,000 | 15,175,000 | 15,845,000 | 14,784,000 |
| Risk-weighted assets | 101,385,000 | 103,195,000 | 106,464,000 | 113,485,000 |
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