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 | 68,684,000 | 67,645,000 | 66,620,000 | 66,360,000 |
| Total loans | 52,290,000 | 51,912,000 | 51,200,000 | 54,171,000 |
| Allowance for loan losses | 521,000 | 517,000 | 515,000 | 534,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,917,000 | 1,917,000 | 1,921,000 | 1,921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,838,000 | 57,653,000 | 56,477,000 | 55,152,000 |
| Interest-bearing deposits | 38,789,000 | 38,000,000 | 36,717,000 | 36,145,000 |
| Noninterest-bearing deposits | 19,050,000 | 19,653,000 | 19,760,000 | 19,007,000 |
| Equity capital | 7,623,000 | 7,697,000 | 7,795,000 | 7,946,000 |
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 | 792,000 | 1,587,000 | 2,401,000 | 3,318,000 |
| Interest expense | 202,000 | 390,000 | 558,000 | 725,000 |
| Net interest income | 590,000 | 1,197,000 | 1,843,000 | 2,593,000 |
| Noninterest income | 160,000 | 302,000 | 459,000 | 581,000 |
| Noninterest expense | 540,000 | 1,136,000 | 1,761,000 | 2,389,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 21,000 |
| Pretax income | 202,000 | 355,000 | 533,000 | 764,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 202,000 | 355,000 | 533,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,623,000 | 7,697,000 | 7,795,000 | 7,946,000 |
| Total capital | 8,144,000 | 8,214,000 | 8,310,000 | 8,480,000 |
| Risk-weighted assets | 53,812,000 | 53,121,000 | 52,314,000 | 54,605,000 |