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 | 70,253,000 | 69,746,000 | 69,761,000 | 73,764,000 |
| Total loans | 30,672,000 | 31,917,000 | 32,239,000 | 31,528,000 |
| Allowance for loan losses | 456,000 | 444,000 | 458,000 | 480,000 |
| Securities available for sale | 29,997,000 | 30,025,000 | 29,156,000 | 30,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,933,000 | 53,956,000 | 53,335,000 | 58,219,000 |
| Interest-bearing deposits | 48,834,000 | 48,656,000 | 48,230,000 | 51,303,000 |
| Noninterest-bearing deposits | 5,099,000 | 5,300,000 | 5,105,000 | 6,916,000 |
| Equity capital | 14,176,000 | 13,792,000 | 14,429,000 | 13,965,000 |
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 | 949,000 | 1,882,000 | 2,814,000 | 3,767,000 |
| Interest expense | 281,000 | 553,000 | 821,000 | 1,098,000 |
| Net interest income | 668,000 | 1,329,000 | 1,993,000 | 2,669,000 |
| Noninterest income | 84,000 | 174,000 | 271,000 | 358,000 |
| Noninterest expense | 376,000 | 723,000 | 1,102,000 | 1,567,000 |
| Provision for loan losses | 25,000 | 55,000 | 75,000 | 100,000 |
| Pretax income | 346,000 | 726,000 | 1,077,000 | 1,356,000 |
| Income tax | 17,000 | 36,000 | 54,000 | 60,000 |
| Net income | 329,000 | 690,000 | 1,023,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,821,000 | 13,130,000 | 13,410,000 | 13,125,000 |
| Total capital | 13,277,000 | 13,574,000 | 13,868,000 | 13,605,000 |
| Risk-weighted assets | 39,435,000 | 40,481,000 | 40,630,000 | 40,615,000 |
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