Call reports 2004
CITIZENS STATE BANK — 2004
What CITIZENS STATE BANK 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 | 183,761,000 | 185,565,000 | 181,880,000 | 189,278,000 |
| Total loans | 86,031,000 | 90,915,000 | 95,288,000 | 98,816,000 |
| Allowance for loan losses | 782,000 | 803,000 | 1,147,000 | 1,085,000 |
| Securities available for sale | 63,229,000 | 61,712,000 | 56,697,000 | 65,349,000 |
| Securities held to maturity | 2,163,000 | 2,159,000 | 2,180,000 | 2,180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,002,000 | 169,169,000 | 164,715,000 | 172,477,000 |
| Interest-bearing deposits | 141,770,000 | 141,437,000 | 136,292,000 | 141,792,000 |
| Noninterest-bearing deposits | 25,232,000 | 27,732,000 | 28,423,000 | 30,685,000 |
| Equity capital | 15,896,000 | 15,521,000 | 16,079,000 | 16,171,000 |
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 | 2,209,000 | 4,305,000 | 6,509,000 | 8,839,000 |
| Interest expense | 515,000 | 1,024,000 | 1,517,000 | 2,018,000 |
| Net interest income | 1,694,000 | 3,281,000 | 4,992,000 | 6,821,000 |
| Noninterest income | 445,000 | 957,000 | 1,464,000 | 1,951,000 |
| Noninterest expense | 1,843,000 | 3,341,000 | 4,950,000 | 6,589,000 |
| Provision for loan losses | 45,000 | 130,000 | 435,000 | 485,000 |
| Pretax income | 251,000 | 767,000 | 1,071,000 | 1,698,000 |
| Income tax | 61,000 | 217,000 | 383,000 | 500,000 |
| Net income | 190,000 | 550,000 | 688,000 | 1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,478,000 | 15,838,000 | 15,976,000 | 16,201,000 |
| Total capital | 16,260,000 | 16,641,000 | 17,123,000 | 17,286,000 |
| Risk-weighted assets | 103,394,000 | 107,900,000 | 110,302,000 | 112,241,000 |