Call reports 2005
CITIZENS STATE BANK — 2005
What CITIZENS STATE BANK 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 | 31,661,000 | 31,149,000 | 28,361,000 | 30,765,000 |
| Total loans | 15,111,000 | 17,338,000 | 18,678,000 | 15,217,000 |
| Allowance for loan losses | 138,000 | 146,000 | 158,000 | 146,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,415,000 | 6,127,000 | 5,501,000 | 4,298,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,381,000 | 28,803,000 | 25,892,000 | 28,323,000 |
| Interest-bearing deposits | 24,886,000 | 24,146,000 | 21,681,000 | 22,636,000 |
| Noninterest-bearing deposits | 4,495,000 | 4,658,000 | 4,211,000 | 5,687,000 |
| Equity capital | 2,105,000 | 2,174,000 | 2,246,000 | 2,258,000 |
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 | 360,000 | 774,000 | 1,239,000 | 1,705,000 |
| Interest expense | 139,000 | 287,000 | 438,000 | 595,000 |
| Net interest income | 221,000 | 487,000 | 801,000 | 1,110,000 |
| Noninterest income | 54,000 | 107,000 | 163,000 | 201,000 |
| Noninterest expense | 220,000 | 441,000 | 655,000 | 953,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 80,000 |
| Pretax income | 55,000 | 153,000 | 269,000 | 278,000 |
| Income tax | 7,000 | 36,000 | 80,000 | 76,000 |
| Net income | 48,000 | 117,000 | 189,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,105,000 | 2,174,000 | 2,246,000 | 2,258,000 |
| Total capital | 2,243,000 | 2,320,000 | 2,404,000 | 2,404,000 |
| Risk-weighted assets | 19,953,000 | 20,642,000 | 21,088,000 | 19,995,000 |