Call reports 2004
CITIZENS STATE BANK OF ROSEAU — 2004
What CITIZENS STATE BANK OF ROSEAU 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 | 150,744,000 | 148,038,000 | 146,136,000 | 146,239,000 |
| Total loans | 63,967,000 | 64,565,000 | 65,055,000 | 66,334,000 |
| Allowance for loan losses | 752,000 | 636,000 | 635,000 | 500,000 |
| Securities available for sale | 74,522,000 | 72,147,000 | 71,731,000 | 68,939,000 |
| Securities held to maturity | 2,082,000 | 2,072,000 | 2,071,000 | 1,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,667,000 | 121,410,000 | 118,253,000 | 118,660,000 |
| Interest-bearing deposits | 105,070,000 | 106,012,000 | 102,106,000 | 101,274,000 |
| Noninterest-bearing deposits | 17,597,000 | 15,398,000 | 16,147,000 | 17,386,000 |
| Equity capital | 18,946,000 | 17,409,000 | 18,660,000 | 18,531,000 |
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 | 1,672,000 | 3,312,000 | 4,970,000 | 6,628,000 |
| Interest expense | 492,000 | 970,000 | 1,444,000 | 1,914,000 |
| Net interest income | 1,180,000 | 2,342,000 | 3,526,000 | 4,714,000 |
| Noninterest income | 180,000 | 354,000 | 570,000 | 749,000 |
| Noninterest expense | 872,000 | 1,669,000 | 2,498,000 | 3,294,000 |
| Provision for loan losses | 46,000 | 94,000 | 116,000 | 244,000 |
| Pretax income | 442,000 | 933,000 | 1,482,000 | 1,925,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 441,000 | 932,000 | 1,480,000 | 1,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,895,000 | 18,036,000 | 18,409,000 | 18,652,000 |
| Total capital | 18,647,000 | 18,672,000 | 19,044,000 | 19,152,000 |
| Risk-weighted assets | 93,375,000 | 92,237,000 | 93,440,000 | 89,524,000 |