Call reports 2005
CITIZENS STATE BANK AND TRUST COMPANY — 2005
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 63,169,000 | 64,486,000 | 64,551,000 | 58,983,000 |
| Total loans | 27,278,000 | 28,285,000 | 32,142,000 | 29,716,000 |
| Allowance for loan losses | 432,000 | 442,000 | 422,000 | 444,000 |
| Securities available for sale | 25,060,000 | 26,021,000 | 25,949,000 | 24,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,415,000 | 55,179,000 | 54,196,000 | 49,699,000 |
| Interest-bearing deposits | 44,070,000 | 46,889,000 | 44,939,000 | 40,213,000 |
| Noninterest-bearing deposits | 10,345,000 | 8,290,000 | 9,257,000 | 9,485,000 |
| Equity capital | 8,440,000 | 8,741,000 | 8,796,000 | 8,882,000 |
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 | 728,000 | 1,485,000 | 2,282,000 | 3,121,000 |
| Interest expense | 163,000 | 336,000 | 519,000 | 694,000 |
| Net interest income | 565,000 | 1,149,000 | 1,763,000 | 2,427,000 |
| Noninterest income | 134,000 | 262,000 | 399,000 | 533,000 |
| Noninterest expense | 443,000 | 909,000 | 1,362,000 | 1,886,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 256,000 | 502,000 | 800,000 | 1,074,000 |
| Income tax | 6,000 | 0 | 0 | 35,000 |
| Net income | 250,000 | 502,000 | 800,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,770,000 | 8,904,000 | 9,080,000 | 9,198,000 |
| Total capital | 9,200,000 | 9,346,000 | 9,502,000 | 9,631,000 |
| Risk-weighted assets | 34,528,000 | 35,533,000 | 39,559,000 | 36,664,000 |