Call reports 2005
CITIZENS STATE BANK AT MOHALL, THE — 2005
What CITIZENS STATE BANK AT MOHALL, THE 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 | 31,003,000 | 31,537,000 | 31,869,000 | 31,873,000 |
| Total loans | 23,817,000 | 24,539,000 | 24,488,000 | 23,729,000 |
| Allowance for loan losses | 388,000 | 410,000 | 413,000 | 367,000 |
| Securities available for sale | 5,303,000 | 5,107,000 | 5,107,000 | 5,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,997,000 | 28,039,000 | 26,896,000 | 27,915,000 |
| Interest-bearing deposits | 22,616,000 | 23,144,000 | 21,726,000 | 22,291,000 |
| Noninterest-bearing deposits | 4,381,000 | 4,895,000 | 5,170,000 | 5,624,000 |
| Equity capital | 2,318,000 | 2,292,000 | 2,335,000 | 2,292,000 |
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 | 392,000 | 801,000 | 1,242,000 | 1,657,000 |
| Interest expense | 100,000 | 222,000 | 373,000 | 525,000 |
| Net interest income | 292,000 | 579,000 | 869,000 | 1,132,000 |
| Noninterest income | 16,000 | 37,000 | 56,000 | 80,000 |
| Noninterest expense | 184,000 | 376,000 | 546,000 | 780,000 |
| Provision for loan losses | 20,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 104,000 | 200,000 | 309,000 | 332,000 |
| Income tax | 7,000 | 14,000 | 22,000 | 23,000 |
| Net income | 97,000 | 186,000 | 287,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,377,000 | 2,354,000 | 2,399,000 | 2,365,000 |
| Total capital | 2,687,000 | 2,671,000 | 2,718,000 | 2,677,000 |
| Risk-weighted assets | 24,789,000 | 25,291,000 | 25,418,000 | 24,880,000 |