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 | 40,047,000 | 39,504,000 | 39,226,000 | 40,469,000 |
| Total loans | 20,807,000 | 20,899,000 | 21,188,000 | 22,071,000 |
| Allowance for loan losses | 248,000 | 259,000 | 267,000 | 250,000 |
| Securities available for sale | 16,142,000 | 16,018,000 | 14,148,000 | 14,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,032,000 | 34,525,000 | 34,689,000 | 35,998,000 |
| Interest-bearing deposits | 27,245,000 | 27,101,000 | 26,715,000 | 27,206,000 |
| Noninterest-bearing deposits | 7,787,000 | 7,424,000 | 7,974,000 | 8,792,000 |
| Equity capital | 4,909,000 | 4,319,000 | 4,310,000 | 4,204,000 |
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 | 604,000 | 1,213,000 | 1,797,000 | 2,411,000 |
| Interest expense | 130,000 | 264,000 | 414,000 | 566,000 |
| Net interest income | 474,000 | 949,000 | 1,383,000 | 1,845,000 |
| Noninterest income | 59,000 | 120,000 | 180,000 | 253,000 |
| Noninterest expense | 319,000 | 661,000 | 1,012,000 | 1,313,000 |
| Provision for loan losses | 19,000 | 38,000 | 41,000 | 44,000 |
| Pretax income | 195,000 | 370,000 | 504,000 | 741,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 195,000 | 370,000 | 504,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,464,000 | 4,688,000 | 4,586,000 | 4,647,000 |
| Total capital | 5,712,000 | 4,947,000 | 4,853,000 | 4,897,000 |
| Risk-weighted assets | 23,494,000 | 23,475,000 | 23,419,000 | 24,299,000 |
Machine access — free, no API key
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 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.