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 | 47,622,000 | 47,782,000 | 47,615,000 | 50,238,000 |
| Total loans | 13,630,000 | 13,292,000 | 13,431,000 | 13,043,000 |
| Allowance for loan losses | 411,000 | 391,000 | 335,000 | 327,000 |
| Securities available for sale | 26,622,000 | 26,285,000 | 26,915,000 | 28,956,000 |
| Securities held to maturity | 2,013,000 | 2,183,000 | 1,708,000 | 1,608,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,421,000 | 36,206,000 | 35,328,000 | 38,386,000 |
| Interest-bearing deposits | 31,176,000 | 31,446,000 | 31,461,000 | 34,256,000 |
| Noninterest-bearing deposits | 4,245,000 | 4,760,000 | 3,867,000 | 4,130,000 |
| Equity capital | 8,821,000 | 8,408,000 | 9,060,000 | 8,697,000 |
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 | 674,000 | 1,326,000 | 1,992,000 | 2,652,000 |
| Interest expense | 186,000 | 371,000 | 560,000 | 755,000 |
| Net interest income | 488,000 | 955,000 | 1,432,000 | 1,897,000 |
| Noninterest income | 58,000 | 112,000 | 167,000 | 233,000 |
| Noninterest expense | 221,000 | 446,000 | 664,000 | 973,000 |
| Provision for loan losses | 43,000 | 66,000 | 136,000 | 203,000 |
| Pretax income | 282,000 | 560,000 | 805,000 | 960,000 |
| Income tax | 68,000 | 135,000 | 195,000 | 240,000 |
| Net income | 214,000 | 425,000 | 610,000 | 720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,414,000 | 8,626,000 | 8,810,000 | 8,582,000 |
| Total capital | 8,677,000 | 8,896,000 | 9,077,000 | 8,853,000 |
| Risk-weighted assets | 20,892,000 | 21,498,000 | 21,302,000 | 21,603,000 |
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