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 | 84,787,000 | 81,817,000 | 88,909,000 | 89,414,000 |
| Total loans | 49,587,000 | 53,700,000 | 61,845,000 | 53,900,000 |
| Allowance for loan losses | 1,248,000 | 1,249,000 | 1,250,000 | 1,249,000 |
| Securities available for sale | 17,814,000 | 19,111,000 | 18,200,000 | 17,820,000 |
| Securities held to maturity | 403,000 | 352,000 | 311,000 | 285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,243,000 | 71,372,000 | 67,005,000 | 78,132,000 |
| Interest-bearing deposits | 61,630,000 | 59,933,000 | 55,061,000 | 63,869,000 |
| Noninterest-bearing deposits | 12,613,000 | 11,439,000 | 11,944,000 | 14,263,000 |
| Equity capital | 10,207,000 | 10,205,000 | 10,729,000 | 11,046,000 |
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 | 1,113,000 | 2,320,000 | 3,629,000 | 4,903,000 |
| Interest expense | 201,000 | 394,000 | 617,000 | 853,000 |
| Net interest income | 912,000 | 1,926,000 | 3,012,000 | 4,050,000 |
| Noninterest income | 92,000 | 223,000 | 326,000 | 498,000 |
| Noninterest expense | 663,000 | 1,345,000 | 2,021,000 | 2,674,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 341,000 | 804,000 | 1,296,000 | 1,853,000 |
| Income tax | 106,000 | 261,000 | 433,000 | 622,000 |
| Net income | 235,000 | 543,000 | 863,000 | 1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,128,000 | 10,436,000 | 10,756,000 | 11,124,000 |
| Total capital | 10,874,000 | 11,221,000 | 11,643,000 | 12,016,000 |
| Risk-weighted assets | 59,175,000 | 62,337,000 | 70,605,000 | 71,025,000 |