Call reports 2004
CITIZENS BANK OF ELDON — 2004
What CITIZENS BANK OF ELDON 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 | 85,225,000 | 86,679,000 | 88,230,000 | 94,312,000 |
| Total loans | 44,204,000 | 44,810,000 | 48,220,000 | 49,802,000 |
| Allowance for loan losses | 467,000 | 451,000 | 432,000 | 407,000 |
| Securities available for sale | 27,273,000 | 30,866,000 | 31,134,000 | 30,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,377,000 | 74,048,000 | 75,184,000 | 81,201,000 |
| Interest-bearing deposits | 59,606,000 | 59,218,000 | 60,949,000 | 67,420,000 |
| Noninterest-bearing deposits | 12,771,000 | 14,830,000 | 14,235,000 | 13,781,000 |
| Equity capital | 12,099,000 | 11,950,000 | 12,317,000 | 12,311,000 |
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 | 943,000 | 1,895,000 | 2,860,000 | 3,879,000 |
| Interest expense | 181,000 | 347,000 | 516,000 | 705,000 |
| Net interest income | 762,000 | 1,548,000 | 2,344,000 | 3,174,000 |
| Noninterest income | 119,000 | 269,000 | 419,000 | 577,000 |
| Noninterest expense | 613,000 | 1,259,000 | 1,853,000 | 2,618,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 268,000 | 558,000 | 910,000 | 1,133,000 |
| Income tax | 72,000 | 141,000 | 229,000 | 286,000 |
| Net income | 196,000 | 417,000 | 681,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,923,000 | 12,097,000 | 12,332,000 | 12,445,000 |
| Total capital | 12,390,000 | 12,548,000 | 12,764,000 | 12,852,000 |
| Risk-weighted assets | 47,077,000 | 48,539,000 | 51,194,000 | 53,555,000 |
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