Call reports 2004
CITIZENS STATE BANK, THE — 2004
What CITIZENS STATE BANK, THE 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 | 213,632,000 | 221,533,000 | 225,036,000 | 231,313,000 |
| Total loans | 173,786,000 | 179,929,000 | 185,361,000 | 190,372,000 |
| Allowance for loan losses | 2,293,000 | 2,398,000 | 2,786,000 | 2,325,000 |
| Securities available for sale | 30,800,000 | 29,532,000 | 30,411,000 | 31,281,000 |
| Securities held to maturity | 1,140,000 | 945,000 | 570,000 | 440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,718,000 | 156,468,000 | 160,120,000 | 170,344,000 |
| Interest-bearing deposits | 140,536,000 | 143,979,000 | 146,814,000 | 153,968,000 |
| Noninterest-bearing deposits | 12,182,000 | 12,489,000 | 13,306,000 | 16,376,000 |
| Equity capital | 24,028,000 | 23,619,000 | 24,040,000 | 23,607,000 |
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 | 2,791,000 | 5,760,000 | 8,762,000 | 11,873,000 |
| Interest expense | 1,021,000 | 2,040,000 | 3,103,000 | 4,256,000 |
| Net interest income | 1,770,000 | 3,720,000 | 5,659,000 | 7,617,000 |
| Noninterest income | 135,000 | 272,000 | 419,000 | 553,000 |
| Noninterest expense | 771,000 | 1,517,000 | 2,242,000 | 3,075,000 |
| Provision for loan losses | 103,000 | 228,000 | 628,000 | 1,346,000 |
| Pretax income | 1,031,000 | 2,247,000 | 3,208,000 | 3,749,000 |
| Income tax | 27,000 | 63,000 | 99,000 | 151,000 |
| Net income | 1,004,000 | 2,184,000 | 3,109,000 | 3,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,670,000 | 22,131,000 | 22,144,000 | 21,797,000 |
| Total capital | 23,827,000 | 24,363,000 | 24,456,000 | 24,122,000 |
| Risk-weighted assets | 172,459,000 | 178,392,000 | 184,489,000 | 190,172,000 |
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