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 | 72,748,000 | 71,343,000 | 69,106,000 | 71,492,000 |
| Total loans | 31,810,000 | 30,853,000 | 32,937,000 | 32,211,000 |
| Allowance for loan losses | 457,000 | 705,000 | 709,000 | 723,000 |
| Securities available for sale | 32,481,000 | 33,841,000 | 32,189,000 | 32,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,143,000 | 55,194,000 | 53,027,000 | 56,020,000 |
| Interest-bearing deposits | 51,123,000 | 49,535,000 | 47,247,000 | 49,570,000 |
| Noninterest-bearing deposits | 6,020,000 | 5,659,000 | 5,780,000 | 6,450,000 |
| Equity capital | 13,962,000 | 14,517,000 | 14,433,000 | 13,982,000 |
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 | 952,000 | 1,921,000 | 2,896,000 | 3,902,000 |
| Interest expense | 284,000 | 575,000 | 875,000 | 1,192,000 |
| Net interest income | 668,000 | 1,346,000 | 2,021,000 | 2,710,000 |
| Noninterest income | 89,000 | 199,000 | 262,000 | 343,000 |
| Noninterest expense | 373,000 | 751,000 | 1,156,000 | 1,651,000 |
| Provision for loan losses | 25,000 | 33,000 | 33,000 | 34,000 |
| Pretax income | 342,000 | 753,000 | 1,085,000 | 1,359,000 |
| Income tax | 17,000 | 38,000 | 54,000 | 67,000 |
| Net income | 325,000 | 715,000 | 1,031,000 | 1,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,451,000 | 13,705,000 | 13,952,000 | 13,650,000 |
| Total capital | 13,908,000 | 14,205,000 | 14,470,000 | 14,165,000 |
| Risk-weighted assets | 40,696,000 | 39,838,000 | 41,332,000 | 41,058,000 |