Call reports 2004
CITIZEN'S BANK, VILLE PLATTE, LOUISIANA — 2004
What CITIZEN'S BANK, VILLE PLATTE, LOUISIANA 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 | 159,073,000 | 160,685,000 | 160,326,000 | 163,343,000 |
| Total loans | 73,526,000 | 77,356,000 | 78,696,000 | 77,669,000 |
| Allowance for loan losses | 1,298,000 | 1,292,000 | 1,296,000 | 1,335,000 |
| Securities available for sale | 56,800,000 | 58,736,000 | 59,959,000 | 60,892,000 |
| Securities held to maturity | 3,768,000 | 3,442,000 | 3,428,000 | 3,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,218,000 | 144,400,000 | 143,044,000 | 146,299,000 |
| Interest-bearing deposits | 124,801,000 | 126,036,000 | 126,886,000 | 130,257,000 |
| Noninterest-bearing deposits | 17,417,000 | 18,364,000 | 16,158,000 | 16,042,000 |
| Equity capital | 15,959,000 | 15,401,000 | 16,375,000 | 16,192,000 |
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 | 1,908,000 | 3,874,000 | 5,897,000 | 7,936,000 |
| Interest expense | 747,000 | 1,494,000 | 2,257,000 | 3,022,000 |
| Net interest income | 1,161,000 | 2,380,000 | 3,640,000 | 4,914,000 |
| Noninterest income | 198,000 | 398,000 | 622,000 | 822,000 |
| Noninterest expense | 793,000 | 1,576,000 | 2,427,000 | 3,386,000 |
| Provision for loan losses | 30,000 | 40,000 | 70,000 | 90,000 |
| Pretax income | 545,000 | 1,174,000 | 1,781,000 | 2,278,000 |
| Income tax | 164,000 | 361,000 | 550,000 | 697,000 |
| Net income | 381,000 | 813,000 | 1,231,000 | 1,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,307,000 | 15,746,000 | 16,170,000 | 16,210,000 |
| Total capital | 16,240,000 | 16,724,000 | 17,162,000 | 17,209,000 |
| Risk-weighted assets | 74,259,000 | 77,915,000 | 79,030,000 | 79,605,000 |