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 | 116,005,000 | 118,537,000 | 113,724,000 | 113,582,000 |
| Total loans | 51,908,000 | 52,045,000 | 51,967,000 | 51,198,000 |
| Allowance for loan losses | 844,000 | 836,000 | 789,000 | 770,000 |
| Securities available for sale | 49,927,000 | 54,426,000 | 52,415,000 | 53,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,299,000 | 88,134,000 | 89,574,000 | 89,469,000 |
| Interest-bearing deposits | 75,436,000 | 72,692,000 | 73,624,000 | 73,827,000 |
| Noninterest-bearing deposits | 15,863,000 | 15,442,000 | 15,950,000 | 15,642,000 |
| Equity capital | 12,191,000 | 11,339,000 | 12,173,000 | 11,886,000 |
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 | 1,633,000 | 3,289,000 | 4,882,000 | 6,414,000 |
| Interest expense | 443,000 | 871,000 | 1,294,000 | 1,724,000 |
| Net interest income | 1,190,000 | 2,418,000 | 3,588,000 | 4,690,000 |
| Noninterest income | 308,000 | 713,000 | 999,000 | 1,309,000 |
| Noninterest expense | 1,170,000 | 2,369,000 | 3,572,000 | 4,704,000 |
| Provision for loan losses | 100,000 | 235,000 | 330,000 | 580,000 |
| Pretax income | 271,000 | 580,000 | 739,000 | 728,000 |
| Income tax | 89,000 | 128,000 | 158,000 | 162,000 |
| Net income | 182,000 | 452,000 | 581,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,993,000 | 12,255,000 | 12,230,000 | 12,089,000 |
| Total capital | 12,829,000 | 13,082,000 | 13,019,000 | 12,859,000 |
| Risk-weighted assets | 71,439,000 | 69,390,000 | 68,008,000 | 71,395,000 |