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 | 69,737,000 | 72,007,000 | 76,494,000 | 72,424,000 |
| Total loans | 53,296,000 | 53,938,000 | 56,569,000 | 57,133,000 |
| Allowance for loan losses | 543,000 | 555,000 | 567,000 | 587,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,922,000 | 1,927,000 | 1,935,000 | 1,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,167,000 | 60,508,000 | 64,783,000 | 61,955,000 |
| Interest-bearing deposits | 36,185,000 | 36,484,000 | 40,229,000 | 39,443,000 |
| Noninterest-bearing deposits | 19,983,000 | 24,025,000 | 24,555,000 | 22,511,000 |
| Equity capital | 8,000,000 | 8,000,000 | 8,000,000 | 8,000,000 |
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 | 922,000 | 1,926,000 | 3,056,000 | 4,211,000 |
| Interest expense | 205,000 | 445,000 | 722,000 | 1,016,000 |
| Net interest income | 717,000 | 1,481,000 | 2,334,000 | 3,195,000 |
| Noninterest income | 126,000 | 263,000 | 393,000 | 514,000 |
| Noninterest expense | 597,000 | 1,212,000 | 1,855,000 | 2,608,000 |
| Provision for loan losses | 8,000 | 18,000 | 30,000 | 50,000 |
| Pretax income | 238,000 | 514,000 | 842,000 | 1,051,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 238,000 | 514,000 | 842,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,000,000 | 8,000,000 | 8,000,000 | 8,000,000 |
| Total capital | 8,543,000 | 8,555,000 | 8,567,000 | 8,587,000 |
| Risk-weighted assets | 53,880,000 | 55,163,000 | 58,274,000 | 57,211,000 |