Call reports 2005
CITIZENS STATE BANK OF CROPSEY — 2005
What CITIZENS STATE BANK OF CROPSEY 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 | 25,877,000 | 25,182,000 | 26,540,000 | 26,874,000 |
| Total loans | 20,464,000 | 21,030,000 | 21,590,000 | 21,727,000 |
| Allowance for loan losses | 157,000 | 184,000 | 205,000 | 189,000 |
| Securities available for sale | 2,797,000 | 2,772,000 | 2,708,000 | 2,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,044,000 | 20,772,000 | 21,843,000 | 21,688,000 |
| Interest-bearing deposits | 19,904,000 | 18,826,000 | 19,523,000 | 18,883,000 |
| Noninterest-bearing deposits | 2,140,000 | 1,946,000 | 2,320,000 | 2,805,000 |
| Equity capital | 2,251,000 | 2,294,000 | 2,305,000 | 2,288,000 |
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 | 363,000 | 730,000 | 1,112,000 | 1,505,000 |
| Interest expense | 124,000 | 254,000 | 404,000 | 560,000 |
| Net interest income | 239,000 | 476,000 | 708,000 | 945,000 |
| Noninterest income | 19,000 | 43,000 | 67,000 | 82,000 |
| Noninterest expense | 182,000 | 380,000 | 592,000 | 740,000 |
| Provision for loan losses | 12,000 | 24,000 | 32,000 | 38,000 |
| Pretax income | 64,000 | 115,000 | 151,000 | 249,000 |
| Income tax | 24,000 | 40,000 | 51,000 | 83,000 |
| Net income | 40,000 | 75,000 | 100,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,278,000 | 2,309,000 | 2,329,000 | 2,327,000 |
| Total capital | 2,435,000 | 2,493,000 | 2,534,000 | 2,516,000 |
| Risk-weighted assets | 22,364,000 | 22,860,000 | 24,218,000 | 23,410,000 |