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 | 68,417,000 | 68,846,000 | 66,539,000 | 69,416,000 |
| Total loans | 42,449,000 | 44,046,000 | 45,888,000 | 45,923,000 |
| Allowance for loan losses | 618,000 | 613,000 | 622,000 | 637,000 |
| Securities available for sale | 19,471,000 | 15,579,000 | 15,343,000 | 16,831,000 |
| Securities held to maturity | 411,000 | 409,000 | 402,000 | 398,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,048,000 | 60,983,000 | 58,843,000 | 61,775,000 |
| Interest-bearing deposits | 50,248,000 | 49,250,000 | 48,062,000 | 51,033,000 |
| Noninterest-bearing deposits | 9,800,000 | 11,733,000 | 10,781,000 | 10,742,000 |
| Equity capital | 5,335,000 | 5,262,000 | 5,388,000 | 5,381,000 |
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 | 852,000 | 1,708,000 | 2,621,000 | 3,586,000 |
| Interest expense | 145,000 | 279,000 | 416,000 | 576,000 |
| Net interest income | 707,000 | 1,429,000 | 2,205,000 | 3,010,000 |
| Noninterest income | 70,000 | 143,000 | 214,000 | 289,000 |
| Noninterest expense | 506,000 | 996,000 | 1,507,000 | 2,023,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 259,000 | 552,000 | 876,000 | 1,228,000 |
| Income tax | 74,000 | 181,000 | 302,000 | 429,000 |
| Net income | 185,000 | 371,000 | 574,000 | 799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,260,000 | 5,296,000 | 5,398,000 | 5,424,000 |
| Total capital | 5,805,000 | 5,850,000 | 5,960,000 | 5,991,000 |
| Risk-weighted assets | 43,507,000 | 44,254,000 | 44,900,000 | 45,278,000 |