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 | 115,013,000 | 116,917,000 | 113,909,000 | 127,655,000 |
| Total loans | 53,411,000 | 52,006,000 | 51,256,000 | 64,660,000 |
| Allowance for loan losses | 786,000 | 848,000 | 913,000 | 920,000 |
| Securities available for sale | 52,090,000 | 54,231,000 | 51,610,000 | 50,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,645,000 | 90,289,000 | 92,377,000 | 110,182,000 |
| Interest-bearing deposits | 75,633,000 | 72,825,000 | 75,445,000 | 82,653,000 |
| Noninterest-bearing deposits | 16,012,000 | 17,464,000 | 16,932,000 | 27,529,000 |
| Equity capital | 11,407,000 | 11,649,000 | 11,739,000 | 10,720,000 |
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 | 1,568,000 | 3,188,000 | 4,819,000 | 6,608,000 |
| Interest expense | 444,000 | 938,000 | 1,484,000 | 2,061,000 |
| Net interest income | 1,124,000 | 2,250,000 | 3,335,000 | 4,547,000 |
| Noninterest income | 268,000 | 550,000 | 793,000 | 1,026,000 |
| Noninterest expense | 1,290,000 | 2,519,000 | 3,626,000 | 4,732,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 36,000 | 140,000 | 236,000 | 422,000 |
| Income tax | 19,000 | 73,000 | 102,000 | 156,000 |
| Net income | 17,000 | 67,000 | 134,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,078,000 | 11,033,000 | 11,019,000 | 10,201,000 |
| Total capital | 12,864,000 | 11,881,000 | 11,899,000 | 11,121,000 |
| Risk-weighted assets | 73,881,000 | 73,053,000 | 70,215,000 | 76,425,000 |