Call reports 2005
CITIZENS STATE BANK — 2005
What CITIZENS STATE BANK 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 | 189,674,000 | 190,945,000 | 191,403,000 | 196,583,000 |
| Total loans | 100,428,000 | 103,443,000 | 105,404,000 | 103,750,000 |
| Allowance for loan losses | 1,125,000 | 1,110,000 | 1,116,000 | 1,123,000 |
| Securities available for sale | 61,517,000 | 62,482,000 | 52,337,000 | 64,865,000 |
| Securities held to maturity | 1,401,000 | 1,458,000 | 1,309,000 | 934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,254,000 | 172,992,000 | 172,806,000 | 178,942,000 |
| Interest-bearing deposits | 141,869,000 | 139,475,000 | 136,324,000 | 142,518,000 |
| Noninterest-bearing deposits | 30,385,000 | 33,517,000 | 36,482,000 | 36,424,000 |
| Equity capital | 16,386,000 | 17,002,000 | 17,358,000 | 16,843,000 |
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 | 2,358,000 | 4,843,000 | 7,433,000 | 10,128,000 |
| Interest expense | 527,000 | 1,105,000 | 1,748,000 | 2,477,000 |
| Net interest income | 1,831,000 | 3,738,000 | 5,685,000 | 7,651,000 |
| Noninterest income | 499,000 | 1,003,000 | 1,518,000 | 2,035,000 |
| Noninterest expense | 1,562,000 | 3,144,000 | 4,858,000 | 6,717,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 708,000 | 1,477,000 | 2,165,000 | 2,729,000 |
| Income tax | 211,000 | 451,000 | 675,000 | 851,000 |
| Net income | 497,000 | 1,026,000 | 1,490,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,698,000 | 17,227,000 | 17,691,000 | 17,328,000 |
| Total capital | 17,823,000 | 18,337,000 | 18,807,000 | 18,451,000 |
| Risk-weighted assets | 113,044,000 | 117,027,000 | 119,658,000 | 119,271,000 |