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 | 67,774,000 | 70,561,000 | 72,177,000 | 72,922,000 |
| Total loans | 48,293,000 | 47,146,000 | 49,176,000 | 48,883,000 |
| Allowance for loan losses | 653,000 | 668,000 | 676,000 | 689,000 |
| Securities available for sale | 14,659,000 | 13,589,000 | 15,360,000 | 15,046,000 |
| Securities held to maturity | 397,000 | 394,000 | 386,000 | 384,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,865,000 | 62,559,000 | 64,058,000 | 64,713,000 |
| Interest-bearing deposits | 50,123,000 | 51,618,000 | 52,127,000 | 53,726,000 |
| Noninterest-bearing deposits | 9,742,000 | 10,941,000 | 11,931,000 | 10,987,000 |
| Equity capital | 5,535,000 | 5,707,000 | 5,800,000 | 5,889,000 |
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 | 923,000 | 1,879,000 | 2,914,000 | 3,989,000 |
| Interest expense | 178,000 | 379,000 | 593,000 | 826,000 |
| Net interest income | 745,000 | 1,500,000 | 2,321,000 | 3,163,000 |
| Noninterest income | 73,000 | 160,000 | 238,000 | 313,000 |
| Noninterest expense | 539,000 | 1,064,000 | 1,571,000 | 2,163,000 |
| Provision for loan losses | 12,000 | 24,000 | 32,000 | 32,000 |
| Pretax income | 267,000 | 572,000 | 956,000 | 1,281,000 |
| Income tax | 86,000 | 195,000 | 336,000 | 455,000 |
| Net income | 181,000 | 377,000 | 620,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,605,000 | 5,751,000 | 5,844,000 | 5,950,000 |
| Total capital | 6,184,000 | 6,351,000 | 6,468,000 | 6,580,000 |
| Risk-weighted assets | 46,281,000 | 47,928,000 | 49,906,000 | 50,345,000 |