Call reports 2005
CITIZENS BANK OF ELDON — 2005
What CITIZENS BANK OF ELDON 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 | 90,234,000 | 92,602,000 | 90,542,000 | 98,283,000 |
| Total loans | 50,919,000 | 51,133,000 | 52,078,000 | 52,614,000 |
| Allowance for loan losses | 419,000 | 421,000 | 359,000 | 347,000 |
| Securities available for sale | 28,509,000 | 28,617,000 | 30,415,000 | 29,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,031,000 | 79,050,000 | 76,807,000 | 84,392,000 |
| Interest-bearing deposits | 63,027,000 | 63,248,000 | 61,048,000 | 68,423,000 |
| Noninterest-bearing deposits | 14,004,000 | 15,802,000 | 15,759,000 | 15,969,000 |
| Equity capital | 12,312,000 | 12,615,000 | 12,717,000 | 12,878,000 |
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 | 1,027,000 | 2,104,000 | 3,211,000 | 4,402,000 |
| Interest expense | 233,000 | 495,000 | 779,000 | 1,086,000 |
| Net interest income | 794,000 | 1,609,000 | 2,432,000 | 3,316,000 |
| Noninterest income | 137,000 | 267,000 | 407,000 | 515,000 |
| Noninterest expense | 658,000 | 1,307,000 | 1,995,000 | 2,640,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 273,000 | 569,000 | 844,000 | 1,191,000 |
| Income tax | 71,000 | 160,000 | 226,000 | 331,000 |
| Net income | 202,000 | 409,000 | 618,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,618,000 | 12,797,000 | 12,977,000 | 13,162,000 |
| Total capital | 13,037,000 | 13,218,000 | 13,336,000 | 13,508,000 |
| Risk-weighted assets | 53,683,000 | 53,827,000 | 55,000,000 | 56,768,000 |
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