Call reports 2004
CITIZENS STATE BANK AND TRUST COMPANY — 2004
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 65,817,000 | 64,775,000 | 61,543,000 | 64,328,000 |
| Total loans | 30,184,000 | 29,746,000 | 29,877,000 | 29,303,000 |
| Allowance for loan losses | 448,000 | 442,000 | 441,000 | 432,000 |
| Securities available for sale | 26,330,000 | 26,061,000 | 25,746,000 | 26,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,448,000 | 56,078,000 | 52,588,000 | 55,448,000 |
| Interest-bearing deposits | 46,892,000 | 46,344,000 | 44,113,000 | 43,757,000 |
| Noninterest-bearing deposits | 9,556,000 | 9,734,000 | 8,475,000 | 11,691,000 |
| Equity capital | 8,680,000 | 8,277,000 | 8,567,000 | 8,493,000 |
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 | 727,000 | 1,459,000 | 2,196,000 | 2,919,000 |
| Interest expense | 186,000 | 367,000 | 537,000 | 700,000 |
| Net interest income | 541,000 | 1,092,000 | 1,659,000 | 2,219,000 |
| Noninterest income | 140,000 | 250,000 | 455,000 | 582,000 |
| Noninterest expense | 481,000 | 935,000 | 1,360,000 | 1,829,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 200,000 | 407,000 | 754,000 | 972,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 38,000 |
| Net income | 199,000 | 406,000 | 753,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,372,000 | 8,354,000 | 8,579,000 | 8,643,000 |
| Total capital | 8,820,000 | 8,796,000 | 9,020,000 | 9,075,000 |
| Risk-weighted assets | 38,230,000 | 38,697,000 | 37,510,000 | 36,702,000 |