Call reports 2004
CITIZENS FIRST STATE BANK OF WALNUT — 2004
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 59,601,000 | 57,233,000 | 61,542,000 | 65,800,000 |
| Total loans | 48,421,000 | 46,479,000 | 51,245,000 | 54,678,000 |
| Allowance for loan losses | 497,000 | 515,000 | 545,000 | 531,000 |
| Securities available for sale | 6,545,000 | 6,366,000 | 6,327,000 | 6,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,950,000 | 44,589,000 | 43,249,000 | 47,810,000 |
| Interest-bearing deposits | 38,150,000 | 37,429,000 | 36,200,000 | 39,780,000 |
| Noninterest-bearing deposits | 6,800,000 | 7,160,000 | 7,049,000 | 8,030,000 |
| Equity capital | 4,890,000 | 4,893,000 | 5,075,000 | 5,179,000 |
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 | 751,000 | 1,489,000 | 2,267,000 | 3,129,000 |
| Interest expense | 234,000 | 468,000 | 707,000 | 978,000 |
| Net interest income | 517,000 | 1,021,000 | 1,560,000 | 2,151,000 |
| Noninterest income | 43,000 | 84,000 | 130,000 | 171,000 |
| Noninterest expense | 390,000 | 796,000 | 1,187,000 | 1,628,000 |
| Provision for loan losses | 278,000 | 296,000 | 330,000 | 342,000 |
| Pretax income | -108,000 | 11,000 | 171,000 | 329,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 4,000 |
| Net income | -110,000 | 8,000 | 167,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,245,000 | 4,356,000 | 4,492,000 | 4,632,000 |
| Total capital | 4,742,000 | 4,871,000 | 5,037,000 | 5,163,000 |
| Risk-weighted assets | 40,433,000 | 42,719,000 | 46,246,000 | 49,376,000 |