Call reports 2004
CITIZENS STATE BANK OF LANKIN — 2004
What CITIZENS STATE BANK OF LANKIN 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 | 35,794,000 | 34,480,000 | 34,861,000 | 34,517,000 |
| Total loans | 17,085,000 | 19,589,000 | 22,114,000 | 21,321,000 |
| Allowance for loan losses | 887,000 | 883,000 | 884,000 | 852,000 |
| Securities available for sale | 11,005,000 | 11,054,000 | 10,415,000 | 10,251,000 |
| Securities held to maturity | 31,000 | 31,000 | 31,000 | 29,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,322,000 | 30,167,000 | 28,990,000 | 28,714,000 |
| Interest-bearing deposits | 27,943,000 | 26,685,000 | 25,576,000 | 24,327,000 |
| Noninterest-bearing deposits | 3,379,000 | 3,482,000 | 3,414,000 | 4,387,000 |
| Equity capital | 4,331,000 | 4,164,000 | 4,446,000 | 4,440,000 |
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 | 469,000 | 942,000 | 1,452,000 | 1,967,000 |
| Interest expense | 106,000 | 204,000 | 300,000 | 393,000 |
| Net interest income | 363,000 | 738,000 | 1,152,000 | 1,574,000 |
| Noninterest income | 42,000 | 91,000 | 130,000 | 148,000 |
| Noninterest expense | 281,000 | 562,000 | 851,000 | 1,179,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 137,000 | 280,000 | 444,000 | 556,000 |
| Income tax | 35,000 | 80,000 | 132,000 | 161,000 |
| Net income | 102,000 | 200,000 | 312,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,131,000 | 4,067,000 | 4,234,000 | 4,319,000 |
| Total capital | 4,430,000 | 4,380,000 | 4,570,000 | 4,649,000 |
| Risk-weighted assets | 23,308,000 | 24,439,000 | 26,298,000 | 25,860,000 |