Call reports 2005
CITIZENS STATE BANK, THE — 2005
What CITIZENS STATE BANK, THE 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 | 228,945,000 | 228,332,000 | 234,381,000 | 245,441,000 |
| Total loans | 188,436,000 | 186,730,000 | 191,713,000 | 202,667,000 |
| Allowance for loan losses | 2,880,000 | 2,620,000 | 2,777,000 | 2,541,000 |
| Securities available for sale | 31,863,000 | 32,340,000 | 30,645,000 | 29,229,000 |
| Securities held to maturity | 440,000 | 440,000 | 330,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,872,000 | 165,515,000 | 168,405,000 | 173,289,000 |
| Interest-bearing deposits | 155,907,000 | 151,929,000 | 154,028,000 | 153,707,000 |
| Noninterest-bearing deposits | 12,965,000 | 13,586,000 | 14,377,000 | 19,582,000 |
| Equity capital | 23,361,000 | 24,018,000 | 24,372,000 | 24,259,000 |
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 | 3,172,000 | 6,526,000 | 9,978,000 | 13,648,000 |
| Interest expense | 1,183,000 | 2,425,000 | 3,817,000 | 5,358,000 |
| Net interest income | 1,989,000 | 4,101,000 | 6,161,000 | 8,290,000 |
| Noninterest income | 142,000 | 288,000 | 458,000 | 601,000 |
| Noninterest expense | 762,000 | 1,568,000 | 2,320,000 | 3,211,000 |
| Provision for loan losses | 550,000 | 960,000 | 1,110,000 | 1,260,000 |
| Pretax income | 819,000 | 1,861,000 | 3,189,000 | 4,420,000 |
| Income tax | 37,000 | 77,000 | 114,000 | 177,000 |
| Net income | 782,000 | 1,784,000 | 3,075,000 | 4,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,051,000 | 22,376,000 | 22,889,000 | 23,057,000 |
| Total capital | 24,400,000 | 24,710,000 | 25,297,000 | 25,595,000 |
| Risk-weighted assets | 187,873,000 | 186,467,000 | 192,361,000 | 202,860,000 |
Machine access — free, no API key
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