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 | 153,611,000 | 155,626,000 | 159,096,000 | 161,563,000 |
| Total loans | 127,240,000 | 126,937,000 | 131,225,000 | 131,577,000 |
| Allowance for loan losses | 1,154,000 | 1,043,000 | 997,000 | 1,216,000 |
| Securities available for sale | 13,054,000 | 12,282,000 | 11,814,000 | 15,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,981,000 | 129,542,000 | 132,455,000 | 135,225,000 |
| Interest-bearing deposits | 91,406,000 | 91,907,000 | 93,288,000 | 95,117,000 |
| Noninterest-bearing deposits | 36,574,000 | 37,635,000 | 39,167,000 | 40,108,000 |
| Equity capital | 13,827,000 | 14,521,000 | 15,137,000 | 15,304,000 |
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 | 2,342,000 | 4,790,000 | 7,319,000 | 9,933,000 |
| Interest expense | 544,000 | 1,145,000 | 1,809,000 | 2,566,000 |
| Net interest income | 1,798,000 | 3,645,000 | 5,510,000 | 7,367,000 |
| Noninterest income | 360,000 | 794,000 | 1,238,000 | 1,647,000 |
| Noninterest expense | 1,286,000 | 2,596,000 | 3,949,000 | 5,491,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 1,012,000 | 1,983,000 | 2,939,000 | 3,413,000 |
| Income tax | 341,000 | 669,000 | 992,000 | 1,155,000 |
| Net income | 671,000 | 1,314,000 | 1,947,000 | 2,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,024,000 | 14,666,000 | 15,300,000 | 15,611,000 |
| Total capital | 15,178,000 | 15,709,000 | 16,297,000 | 16,827,000 |
| Risk-weighted assets | 118,539,000 | 120,097,000 | 124,508,000 | 125,856,000 |
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Every figure shown here about CITIZENS STATE BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.