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 | 40,072,000 | 39,773,000 | 40,274,000 | 40,766,000 |
| Total loans | 19,979,000 | 20,350,000 | 20,283,000 | 20,708,000 |
| Allowance for loan losses | 221,000 | 228,000 | 221,000 | 233,000 |
| Securities available for sale | 15,933,000 | 15,321,000 | 15,053,000 | 16,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,509,000 | 34,848,000 | 34,887,000 | 35,552,000 |
| Interest-bearing deposits | 27,476,000 | 28,172,000 | 27,722,000 | 27,690,000 |
| Noninterest-bearing deposits | 7,033,000 | 6,676,000 | 7,165,000 | 7,862,000 |
| Equity capital | 5,458,000 | 4,770,000 | 5,170,000 | 5,006,000 |
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 | 605,000 | 1,201,000 | 1,793,000 | 2,393,000 |
| Interest expense | 120,000 | 240,000 | 366,000 | 494,000 |
| Net interest income | 485,000 | 961,000 | 1,427,000 | 1,899,000 |
| Noninterest income | 59,000 | 113,000 | 174,000 | 239,000 |
| Noninterest expense | 344,000 | 757,000 | 1,096,000 | 1,430,000 |
| Provision for loan losses | 19,000 | 38,000 | 58,000 | 80,000 |
| Pretax income | 182,000 | 280,000 | 449,000 | 630,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 182,000 | 280,000 | 449,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,310,000 | 5,194,000 | 5,233,000 | 5,269,000 |
| Total capital | 5,531,000 | 5,422,000 | 5,454,000 | 5,502,000 |
| Risk-weighted assets | 22,892,000 | 23,172,000 | 22,976,000 | 23,623,000 |
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