Call reports 2005
CITIZEN'S BANK, VILLE PLATTE, LOUISIANA — 2005
What CITIZEN'S BANK, VILLE PLATTE, LOUISIANA 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 | 166,449,000 | 165,198,000 | 164,889,000 | 165,810,000 |
| Total loans | 77,188,000 | 80,456,000 | 82,269,000 | 80,784,000 |
| Allowance for loan losses | 1,366,000 | 1,357,000 | 1,392,000 | 1,317,000 |
| Securities available for sale | 66,046,000 | 65,104,000 | 62,625,000 | 64,993,000 |
| Securities held to maturity | 3,348,000 | 3,315,000 | 3,325,000 | 2,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,565,000 | 147,282,000 | 146,864,000 | 147,199,000 |
| Interest-bearing deposits | 131,538,000 | 130,082,000 | 127,226,000 | 127,632,000 |
| Noninterest-bearing deposits | 18,027,000 | 17,200,000 | 19,638,000 | 19,567,000 |
| Equity capital | 16,040,000 | 16,920,000 | 17,017,000 | 16,831,000 |
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 | 2,062,000 | 4,191,000 | 6,355,000 | 8,584,000 |
| Interest expense | 780,000 | 1,605,000 | 2,488,000 | 3,474,000 |
| Net interest income | 1,282,000 | 2,586,000 | 3,867,000 | 5,110,000 |
| Noninterest income | 194,000 | 392,000 | 583,000 | 792,000 |
| Noninterest expense | 842,000 | 1,683,000 | 2,559,000 | 3,544,000 |
| Provision for loan losses | 30,000 | 30,000 | 60,000 | 0 |
| Pretax income | 604,000 | 1,265,000 | 1,831,000 | 2,358,000 |
| Income tax | 189,000 | 395,000 | 575,000 | 736,000 |
| Net income | 415,000 | 870,000 | 1,256,000 | 1,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,632,000 | 17,093,000 | 17,485,000 | 17,456,000 |
| Total capital | 17,629,000 | 18,136,000 | 18,529,000 | 18,492,000 |
| Risk-weighted assets | 79,383,000 | 83,095,000 | 83,158,000 | 82,582,000 |