Call reports 2004
CITIZENS STATE BANK AT MOHALL, THE — 2004
What CITIZENS STATE BANK AT MOHALL, THE 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 | 30,634,000 | 31,125,000 | 30,858,000 | 30,303,000 |
| Total loans | 22,881,000 | 23,544,000 | 23,976,000 | 23,563,000 |
| Allowance for loan losses | 319,000 | 371,000 | 396,000 | 394,000 |
| Securities available for sale | 5,153,000 | 5,110,000 | 5,163,000 | 5,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,232,000 | 25,834,000 | 25,880,000 | 27,065,000 |
| Interest-bearing deposits | 24,677,000 | 21,805,000 | 21,506,000 | 21,012,000 |
| Noninterest-bearing deposits | 3,555,000 | 4,029,000 | 4,374,000 | 6,053,000 |
| Equity capital | 2,310,000 | 2,220,000 | 2,296,000 | 2,245,000 |
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 | 388,000 | 741,000 | 1,133,000 | 1,525,000 |
| Interest expense | 98,000 | 191,000 | 290,000 | 384,000 |
| Net interest income | 290,000 | 550,000 | 843,000 | 1,141,000 |
| Noninterest income | 19,000 | 60,000 | 85,000 | 106,000 |
| Noninterest expense | 157,000 | 316,000 | 472,000 | 684,000 |
| Provision for loan losses | 15,000 | 200,000 | 225,000 | 245,000 |
| Pretax income | 137,000 | 94,000 | 231,000 | 318,000 |
| Income tax | 9,000 | 7,000 | 16,000 | 23,000 |
| Net income | 128,000 | 87,000 | 215,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,250,000 | 2,273,000 | 2,300,000 | 2,280,000 |
| Total capital | 2,547,000 | 2,572,000 | 2,606,000 | 2,577,000 |
| Risk-weighted assets | 23,738,000 | 23,877,000 | 24,388,000 | 23,751,000 |