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 | 73,206,000 | 71,610,000 | 71,309,000 | 70,248,000 |
| Total loans | 17,736,000 | 18,645,000 | 18,704,000 | 17,641,000 |
| Allowance for loan losses | 364,000 | 332,000 | 336,000 | 271,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 44,890,000 | 45,890,000 | 44,890,000 | 44,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,636,000 | 61,864,000 | 60,687,000 | 60,830,000 |
| Interest-bearing deposits | 55,201,000 | 54,083,000 | 52,307,000 | 53,427,000 |
| Noninterest-bearing deposits | 8,436,000 | 7,781,000 | 8,380,000 | 7,403,000 |
| Equity capital | 9,349,000 | 9,421,000 | 9,455,000 | 9,277,000 |
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 | 848,000 | 1,687,000 | 2,532,000 | 3,362,000 |
| Interest expense | 343,000 | 707,000 | 1,095,000 | 1,511,000 |
| Net interest income | 505,000 | 980,000 | 1,437,000 | 1,851,000 |
| Noninterest income | 99,000 | 202,000 | 281,000 | 366,000 |
| Noninterest expense | 312,000 | 617,000 | 929,000 | 1,287,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 277,000 | 535,000 | 744,000 | 870,000 |
| Income tax | 98,000 | 185,000 | 259,000 | 293,000 |
| Net income | 179,000 | 350,000 | 485,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,024,000 | 5,096,000 | 5,130,000 | 4,952,000 |
| Total capital | 5,343,000 | 5,411,000 | 5,445,000 | 5,223,000 |
| Risk-weighted assets | 25,480,000 | 25,163,000 | 25,200,000 | 24,190,000 |