Call reports 2005
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2005
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 48,992,000 | 45,111,000 | 47,366,000 | 57,030,000 |
| Total loans | 32,053,000 | 34,265,000 | 35,501,000 | 37,113,000 |
| Allowance for loan losses | 303,000 | 319,000 | 335,000 | 352,000 |
| Securities available for sale | 4,963,000 | 5,639,000 | 4,896,000 | 6,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,539,000 | 38,187,000 | 40,365,000 | 49,996,000 |
| Interest-bearing deposits | 22,731,000 | 23,977,000 | 24,647,000 | 27,369,000 |
| Noninterest-bearing deposits | 20,808,000 | 14,210,000 | 15,718,000 | 22,627,000 |
| Equity capital | 3,937,000 | 3,971,000 | 4,118,000 | 4,214,000 |
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 | 634,000 | 1,318,000 | 2,061,000 | 2,837,000 |
| Interest expense | 83,000 | 186,000 | 304,000 | 443,000 |
| Net interest income | 551,000 | 1,132,000 | 1,757,000 | 2,394,000 |
| Noninterest income | 238,000 | 392,000 | 556,000 | 724,000 |
| Noninterest expense | 470,000 | 944,000 | 1,439,000 | 2,032,000 |
| Provision for loan losses | 13,000 | 29,000 | 46,000 | 62,000 |
| Pretax income | 306,000 | 553,000 | 830,000 | 1,026,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 306,000 | 552,000 | 829,000 | 1,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,921,000 | 3,949,000 | 4,113,000 | 4,230,000 |
| Total capital | 4,224,000 | 4,268,000 | 4,449,000 | 4,582,000 |
| Risk-weighted assets | 35,132,000 | 36,390,000 | 37,725,000 | 40,731,000 |
Machine access — free, no API key
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