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 | 64,247,000 | 63,421,000 | 63,477,000 | 63,921,000 |
| Total loans | 28,826,000 | 30,056,000 | 30,859,000 | 33,026,000 |
| Allowance for loan losses | 1,126,000 | 1,136,000 | 1,159,000 | 1,132,000 |
| Securities available for sale | 28,882,000 | 27,842,000 | 24,071,000 | 24,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,091,000 | 55,891,000 | 55,830,000 | 56,566,000 |
| Interest-bearing deposits | 50,531,000 | 49,882,000 | 49,231,000 | 49,733,000 |
| Noninterest-bearing deposits | 6,560,000 | 6,009,000 | 6,599,000 | 6,832,000 |
| Equity capital | 6,775,000 | 7,040,000 | 7,054,000 | 6,835,000 |
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 | 813,000 | 1,667,000 | 2,569,000 | 3,467,000 |
| Interest expense | 237,000 | 493,000 | 771,000 | 1,042,000 |
| Net interest income | 576,000 | 1,174,000 | 1,798,000 | 2,425,000 |
| Noninterest income | 179,000 | 391,000 | 559,000 | 736,000 |
| Noninterest expense | 670,000 | 1,355,000 | 2,051,000 | 2,871,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 85,000 | 215,000 | 290,000 | 274,000 |
| Income tax | -17,000 | -33,000 | -50,000 | -25,000 |
| Net income | 102,000 | 248,000 | 340,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,988,000 | 7,134,000 | 7,178,000 | 7,137,000 |
| Total capital | 7,187,000 | 7,316,000 | 7,372,000 | 7,356,000 |
| Risk-weighted assets | 35,990,000 | 36,706,000 | 37,310,000 | 38,952,000 |
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