Call reports 2005
CITIZENS STATE BANK — 2005
What CITIZENS STATE BANK 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 | 60,236,000 | 61,832,000 | 61,259,000 | 60,154,000 |
| Total loans | 50,270,000 | 52,125,000 | 51,298,000 | 50,095,000 |
| Allowance for loan losses | 445,000 | 443,000 | 452,000 | 432,000 |
| Securities available for sale | 3,404,000 | 2,981,000 | 2,691,000 | 2,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,475,000 | 40,647,000 | 41,862,000 | 42,055,000 |
| Interest-bearing deposits | 36,781,000 | 36,134,000 | 37,331,000 | 36,521,000 |
| Noninterest-bearing deposits | 4,694,000 | 4,513,000 | 4,531,000 | 5,534,000 |
| Equity capital | 7,025,000 | 7,201,000 | 7,270,000 | 7,326,000 |
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 | 836,000 | 1,718,000 | 2,626,000 | 3,533,000 |
| Interest expense | 293,000 | 616,000 | 989,000 | 1,357,000 |
| Net interest income | 543,000 | 1,102,000 | 1,637,000 | 2,176,000 |
| Noninterest income | 114,000 | 215,000 | 333,000 | 472,000 |
| Noninterest expense | 405,000 | 801,000 | 1,221,000 | 1,643,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 252,000 | 516,000 | 749,000 | 1,005,000 |
| Income tax | 92,000 | 188,000 | 274,000 | 368,000 |
| Net income | 160,000 | 328,000 | 475,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,629,000 | 4,805,000 | 4,885,000 | 4,953,000 |
| Total capital | 5,074,000 | 5,180,000 | 5,337,000 | 5,385,000 |
| Risk-weighted assets | 50,564,000 | 50,910,000 | 49,812,000 | 49,191,000 |