Call reports 2004
CITIZENS STATE BANK — 2004
What CITIZENS STATE BANK 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 | 62,806,000 | 63,217,000 | 62,350,000 | 60,839,000 |
| Total loans | 47,024,000 | 48,274,000 | 49,500,000 | 48,766,000 |
| Allowance for loan losses | 485,000 | 484,000 | 514,000 | 443,000 |
| Securities available for sale | 2,801,000 | 3,515,000 | 3,759,000 | 3,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,785,000 | 47,569,000 | 46,589,000 | 43,808,000 |
| Interest-bearing deposits | 41,000,000 | 42,777,000 | 39,937,000 | 38,144,000 |
| Noninterest-bearing deposits | 5,785,000 | 4,792,000 | 6,652,000 | 5,664,000 |
| Equity capital | 6,616,000 | 6,721,000 | 6,817,000 | 6,984,000 |
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 | 729,000 | 1,487,000 | 2,303,000 | 3,210,000 |
| Interest expense | 286,000 | 569,000 | 859,000 | 1,146,000 |
| Net interest income | 443,000 | 918,000 | 1,444,000 | 2,064,000 |
| Noninterest income | 130,000 | 267,000 | 380,000 | 492,000 |
| Noninterest expense | 450,000 | 887,000 | 1,341,000 | 1,782,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 123,000 | 298,000 | 453,000 | 744,000 |
| Income tax | 44,000 | 105,000 | 161,000 | 267,000 |
| Net income | 79,000 | 193,000 | 292,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,136,000 | 4,259,000 | 4,367,000 | 4,562,000 |
| Total capital | 4,621,000 | 4,743,000 | 4,881,000 | 5,005,000 |
| Risk-weighted assets | 45,975,000 | 47,574,000 | 48,597,000 | 49,816,000 |