Call reports 2005
CITIZENS STATE BANK OF LANKIN — 2005
What CITIZENS STATE BANK OF LANKIN 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 | 34,090,000 | 35,944,000 | 38,582,000 | 42,695,000 |
| Total loans | 21,917,000 | 24,189,000 | 28,166,000 | 32,311,000 |
| Allowance for loan losses | 852,000 | 884,000 | 883,000 | 875,000 |
| Securities available for sale | 8,880,000 | 8,496,000 | 8,067,000 | 7,809,000 |
| Securities held to maturity | 29,000 | 29,000 | 29,000 | 28,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,458,000 | 31,046,000 | 32,702,000 | 35,902,000 |
| Interest-bearing deposits | 25,597,000 | 27,054,000 | 28,661,000 | 31,308,000 |
| Noninterest-bearing deposits | 3,861,000 | 3,992,000 | 4,041,000 | 4,594,000 |
| Equity capital | 4,192,000 | 4,398,000 | 4,461,000 | 4,499,000 |
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 | 508,000 | 1,052,000 | 1,684,000 | 2,371,000 |
| Interest expense | 104,000 | 230,000 | 400,000 | 628,000 |
| Net interest income | 404,000 | 822,000 | 1,284,000 | 1,743,000 |
| Noninterest income | 26,000 | 62,000 | 102,000 | 144,000 |
| Noninterest expense | 301,000 | 600,000 | 945,000 | 1,289,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 131,000 | 286,000 | 443,000 | 600,000 |
| Income tax | 38,000 | 86,000 | 138,000 | 184,000 |
| Net income | 93,000 | 200,000 | 305,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,087,000 | 4,225,000 | 4,330,000 | 4,367,000 |
| Total capital | 4,431,000 | 4,584,000 | 4,729,000 | 4,802,000 |
| Risk-weighted assets | 26,983,000 | 28,216,000 | 31,408,000 | 34,332,000 |