Call reports 2004
CITIZENS STATE BANK OF CROPSEY — 2004
What CITIZENS STATE BANK OF CROPSEY 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 | 24,360,000 | 26,091,000 | 26,675,000 | 25,718,000 |
| Total loans | 18,600,000 | 19,877,000 | 20,167,000 | 21,639,000 |
| Allowance for loan losses | 161,000 | 174,000 | 175,000 | 185,000 |
| Securities available for sale | 1,208,000 | 2,668,000 | 2,673,000 | 2,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,903,000 | 22,628,000 | 23,097,000 | 21,914,000 |
| Interest-bearing deposits | 19,354,000 | 20,879,000 | 21,277,000 | 19,601,000 |
| Noninterest-bearing deposits | 1,549,000 | 1,749,000 | 1,819,000 | 2,313,000 |
| Equity capital | 1,946,000 | 1,941,000 | 2,024,000 | 2,235,000 |
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 | 323,000 | 664,000 | 1,019,000 | 1,383,000 |
| Interest expense | 113,000 | 230,000 | 357,000 | 485,000 |
| Net interest income | 210,000 | 434,000 | 662,000 | 898,000 |
| Noninterest income | 22,000 | 47,000 | 70,000 | 92,000 |
| Noninterest expense | 167,000 | 347,000 | 519,000 | 708,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 55,000 | 112,000 | 179,000 | 236,000 |
| Income tax | 7,000 | 23,000 | 50,000 | 62,000 |
| Net income | 48,000 | 89,000 | 129,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,931,000 | 1,972,000 | 2,014,000 | 2,243,000 |
| Total capital | 2,092,000 | 2,146,000 | 2,189,000 | 2,428,000 |
| Risk-weighted assets | 19,894,000 | 21,583,000 | 19,532,000 | 23,298,000 |