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 | 48,752,000 | 51,069,000 | 50,072,000 | 50,320,000 |
| Total loans | 12,721,000 | 12,347,000 | 12,301,000 | 12,556,000 |
| Allowance for loan losses | 381,000 | 368,000 | 343,000 | 369,000 |
| Securities available for sale | 29,460,000 | 31,603,000 | 30,180,000 | 29,635,000 |
| Securities held to maturity | 1,608,000 | 1,608,000 | 1,178,000 | 1,243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,866,000 | 36,774,000 | 35,732,000 | 36,431,000 |
| Interest-bearing deposits | 32,266,000 | 32,450,000 | 31,215,000 | 31,681,000 |
| Noninterest-bearing deposits | 4,600,000 | 4,324,000 | 4,517,000 | 4,750,000 |
| Equity capital | 8,680,000 | 9,139,000 | 9,170,000 | 8,665,000 |
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 | 668,000 | 1,348,000 | 2,033,000 | 2,715,000 |
| Interest expense | 205,000 | 428,000 | 675,000 | 942,000 |
| Net interest income | 463,000 | 920,000 | 1,358,000 | 1,773,000 |
| Noninterest income | 57,000 | 115,000 | 174,000 | 234,000 |
| Noninterest expense | 212,000 | 432,000 | 656,000 | 981,000 |
| Provision for loan losses | 32,000 | 50,000 | 50,000 | 55,000 |
| Pretax income | 276,000 | 553,000 | 828,000 | 973,000 |
| Income tax | 66,000 | 132,000 | 198,000 | 263,000 |
| Net income | 210,000 | 421,000 | 630,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,792,000 | 9,002,000 | 9,125,000 | 8,830,000 |
| Total capital | 9,058,000 | 9,269,000 | 9,388,000 | 9,100,000 |
| Risk-weighted assets | 21,241,000 | 21,255,000 | 20,995,000 | 21,468,000 |
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