Call reports 2005
CITIZENS STATE BANK OF FINLEY, THE — 2005
What CITIZENS STATE BANK OF FINLEY, THE 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 | 48,500,000 | 52,092,000 | 53,001,000 | 53,865,000 |
| Total loans | 34,608,000 | 38,401,000 | 38,684,000 | 39,236,000 |
| Allowance for loan losses | 277,000 | 287,000 | 286,000 | 287,000 |
| Securities available for sale | 3,839,000 | 4,232,000 | 3,560,000 | 3,501,000 |
| Securities held to maturity | 4,292,000 | 4,617,000 | 4,735,000 | 5,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,044,000 | 40,538,000 | 39,781,000 | 45,967,000 |
| Interest-bearing deposits | 36,107,000 | 35,276,000 | 34,663,000 | 39,446,000 |
| Noninterest-bearing deposits | 5,937,000 | 5,262,000 | 5,118,000 | 6,521,000 |
| Equity capital | 4,517,000 | 4,648,000 | 4,741,000 | 4,767,000 |
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 | 642,000 | 1,356,000 | 2,169,000 | 2,960,000 |
| Interest expense | 204,000 | 432,000 | 739,000 | 1,060,000 |
| Net interest income | 438,000 | 924,000 | 1,430,000 | 1,900,000 |
| Noninterest income | 127,000 | 255,000 | 487,000 | 671,000 |
| Noninterest expense | 476,000 | 981,000 | 1,592,000 | 2,144,000 |
| Provision for loan losses | 20,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 69,000 | 168,000 | 295,000 | 397,000 |
| Income tax | 0 | -7,000 | 4,000 | 29,000 |
| Net income | 69,000 | 175,000 | 291,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,286,000 | 4,395,000 | 4,515,000 | 4,572,000 |
| Total capital | 4,563,000 | 4,682,000 | 4,801,000 | 4,859,000 |
| Risk-weighted assets | 35,914,000 | 39,973,000 | 40,684,000 | 42,298,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS STATE BANK OF FINLEY, THE — 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.