Call reports 2005
CITIZENS FIRST STATE BANK OF WALNUT — 2005
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 69,801,000 | 71,795,000 | 67,881,000 | 70,165,000 |
| Total loans | 59,113,000 | 61,271,000 | 57,094,000 | 59,440,000 |
| Allowance for loan losses | 545,000 | 562,000 | 478,000 | 541,000 |
| Securities available for sale | 6,207,000 | 6,180,000 | 6,088,000 | 5,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,366,000 | 49,808,000 | 48,907,000 | 51,463,000 |
| Interest-bearing deposits | 42,146,000 | 42,138,000 | 41,917,000 | 44,095,000 |
| Noninterest-bearing deposits | 7,220,000 | 7,670,000 | 6,990,000 | 7,368,000 |
| Equity capital | 5,210,000 | 5,442,000 | 5,463,000 | 5,410,000 |
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 | 922,000 | 1,904,000 | 2,895,000 | 3,883,000 |
| Interest expense | 309,000 | 667,000 | 1,055,000 | 1,478,000 |
| Net interest income | 613,000 | 1,237,000 | 1,840,000 | 2,405,000 |
| Noninterest income | 42,000 | 88,000 | 134,000 | 166,000 |
| Noninterest expense | 427,000 | 881,000 | 1,343,000 | 1,864,000 |
| Provision for loan losses | 18,000 | 36,000 | 60,000 | 126,000 |
| Pretax income | 210,000 | 400,000 | 563,000 | 573,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 6,000 |
| Net income | 209,000 | 398,000 | 559,000 | 567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,723,000 | 4,914,000 | 4,973,000 | 4,939,000 |
| Total capital | 5,268,000 | 5,476,000 | 5,451,000 | 5,480,000 |
| Risk-weighted assets | 51,229,000 | 52,395,000 | 51,059,000 | 52,990,000 |
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