Call reports 2004
CITIZENS STATE BANK — 2004
What CITIZENS STATE BANK 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 | 29,891,000 | 29,665,000 | 28,661,000 | 30,051,000 |
| Total loans | 13,975,000 | 17,818,000 | 20,777,000 | 18,022,000 |
| Allowance for loan losses | 139,000 | 141,000 | 163,000 | 170,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,015,000 | 6,018,000 | 6,018,000 | 7,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,791,000 | 27,476,000 | 26,009,000 | 27,794,000 |
| Interest-bearing deposits | 24,593,000 | 24,915,000 | 23,227,000 | 23,948,000 |
| Noninterest-bearing deposits | 3,199,000 | 2,561,000 | 2,782,000 | 3,846,000 |
| Equity capital | 1,990,000 | 2,053,000 | 2,063,000 | 2,056,000 |
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 | 294,000 | 625,000 | 1,020,000 | 1,431,000 |
| Interest expense | 119,000 | 238,000 | 353,000 | 478,000 |
| Net interest income | 175,000 | 387,000 | 667,000 | 953,000 |
| Noninterest income | 47,000 | 103,000 | 144,000 | 202,000 |
| Noninterest expense | 175,000 | 349,000 | 554,000 | 848,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 47,000 | 141,000 | 207,000 | 207,000 |
| Income tax | 20,000 | 52,000 | 57,000 | 64,000 |
| Net income | 27,000 | 89,000 | 150,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,990,000 | 2,053,000 | 2,063,000 | 2,056,000 |
| Total capital | 2,129,000 | 2,194,000 | 2,226,000 | 2,226,000 |
| Risk-weighted assets | 19,628,000 | 19,812,000 | 20,872,000 | 19,807,000 |