Call reports 2004
CITIZENS STATE BANK OF FINLEY, THE — 2004
What CITIZENS STATE BANK OF FINLEY, THE 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 | 43,089,000 | 47,569,000 | 49,997,000 | 48,217,000 |
| Total loans | 29,995,000 | 35,045,000 | 36,775,000 | 34,418,000 |
| Allowance for loan losses | 227,000 | 225,000 | 244,000 | 256,000 |
| Securities available for sale | 4,717,000 | 4,523,000 | 4,379,000 | 3,938,000 |
| Securities held to maturity | 3,530,000 | 3,090,000 | 2,956,000 | 3,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,325,000 | 36,542,000 | 39,834,000 | 41,120,000 |
| Interest-bearing deposits | 28,827,000 | 31,765,000 | 35,153,000 | 34,638,000 |
| Noninterest-bearing deposits | 5,498,000 | 4,777,000 | 4,682,000 | 6,482,000 |
| Equity capital | 3,660,000 | 3,665,000 | 3,843,000 | 4,467,000 |
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 | 515,000 | 1,092,000 | 1,749,000 | 2,425,000 |
| Interest expense | 137,000 | 291,000 | 484,000 | 697,000 |
| Net interest income | 378,000 | 801,000 | 1,265,000 | 1,728,000 |
| Noninterest income | 108,000 | 208,000 | 354,000 | 559,000 |
| Noninterest expense | 421,000 | 886,000 | 1,309,000 | 1,953,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 40,000 |
| Pretax income | 65,000 | 123,000 | 290,000 | 294,000 |
| Income tax | 0 | 0 | 0 | 58,000 |
| Net income | 65,000 | 123,000 | 290,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,343,000 | 3,404,000 | 3,570,000 | 4,219,000 |
| Total capital | 3,570,000 | 3,629,000 | 3,814,000 | 4,475,000 |
| Risk-weighted assets | 34,798,000 | 35,405,000 | 37,816,000 | 35,648,000 |
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