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 | 70,852,000 | 71,254,000 | 72,157,000 | 72,323,000 |
| Total loans | 19,115,000 | 19,061,000 | 20,240,000 | 19,712,000 |
| Allowance for loan losses | 299,000 | 316,000 | 310,000 | 343,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 41,819,000 | 41,819,000 | 44,817,000 | 42,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,525,000 | 61,887,000 | 62,669,000 | 62,919,000 |
| Interest-bearing deposits | 54,890,000 | 55,514,000 | 55,627,000 | 56,322,000 |
| Noninterest-bearing deposits | 6,635,000 | 6,373,000 | 7,041,000 | 6,597,000 |
| Equity capital | 9,094,000 | 9,208,000 | 9,334,000 | 9,271,000 |
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 | 858,000 | 1,694,000 | 2,555,000 | 3,413,000 |
| Interest expense | 290,000 | 580,000 | 889,000 | 1,213,000 |
| Net interest income | 568,000 | 1,114,000 | 1,666,000 | 2,200,000 |
| Noninterest income | 95,000 | 188,000 | 292,000 | 375,000 |
| Noninterest expense | 307,000 | 608,000 | 916,000 | 1,273,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 341,000 | 664,000 | 1,004,000 | 1,250,000 |
| Income tax | 118,000 | 227,000 | 341,000 | 426,000 |
| Net income | 223,000 | 437,000 | 663,000 | 824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,769,000 | 4,883,000 | 5,009,000 | 4,946,000 |
| Total capital | 5,068,000 | 5,199,000 | 5,319,000 | 5,264,000 |
| Risk-weighted assets | 25,464,000 | 25,348,000 | 26,068,000 | 25,382,000 |