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 | 86,614,000 | 85,382,000 | 86,029,000 | 95,805,000 |
| Total loans | 47,700,000 | 53,656,000 | 57,177,000 | 50,190,000 |
| Allowance for loan losses | 1,251,000 | 1,256,000 | 1,256,000 | 1,254,000 |
| Securities available for sale | 24,373,000 | 25,499,000 | 20,438,000 | 20,282,000 |
| Securities held to maturity | 260,000 | 238,000 | 219,000 | 201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,885,000 | 72,810,000 | 68,522,000 | 84,395,000 |
| Interest-bearing deposits | 61,014,000 | 58,116,000 | 54,794,000 | 67,485,000 |
| Noninterest-bearing deposits | 14,871,000 | 14,694,000 | 13,728,000 | 16,910,000 |
| Equity capital | 10,299,000 | 10,678,000 | 10,846,000 | 11,077,000 |
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 | 1,182,000 | 2,435,000 | 3,788,000 | 5,126,000 |
| Interest expense | 260,000 | 546,000 | 861,000 | 1,177,000 |
| Net interest income | 922,000 | 1,889,000 | 2,927,000 | 3,949,000 |
| Noninterest income | 96,000 | 209,000 | 303,000 | 427,000 |
| Noninterest expense | 667,000 | 1,363,000 | 2,061,000 | 2,742,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 351,000 | 735,000 | 1,169,000 | 1,634,000 |
| Income tax | 120,000 | 251,000 | 404,000 | 554,000 |
| Net income | 231,000 | 484,000 | 765,000 | 1,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,535,000 | 10,788,000 | 11,069,000 | 11,384,000 |
| Total capital | 11,244,000 | 11,564,000 | 11,901,000 | 12,197,000 |
| Risk-weighted assets | 56,206,000 | 61,590,000 | 66,134,000 | 64,572,000 |