Call reports 2005
CITIZENS STATE BANK OF ROSEAU — 2005
What CITIZENS STATE BANK OF ROSEAU 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 | 143,775,000 | 143,573,000 | 141,653,000 | 144,937,000 |
| Total loans | 63,619,000 | 64,165,000 | 63,455,000 | 64,633,000 |
| Allowance for loan losses | 827,000 | 785,000 | 780,000 | 771,000 |
| Securities available for sale | 69,158,000 | 71,495,000 | 68,554,000 | 67,139,000 |
| Securities held to maturity | 1,069,000 | 1,060,000 | 1,065,000 | 1,064,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,903,000 | 115,738,000 | 113,742,000 | 117,078,000 |
| Interest-bearing deposits | 100,911,000 | 99,613,000 | 97,483,000 | 98,756,000 |
| Noninterest-bearing deposits | 15,992,000 | 16,125,000 | 16,259,000 | 18,322,000 |
| Equity capital | 17,788,000 | 18,620,000 | 18,625,000 | 18,719,000 |
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 | 1,758,000 | 3,497,000 | 5,260,000 | 7,072,000 |
| Interest expense | 483,000 | 1,030,000 | 1,622,000 | 2,303,000 |
| Net interest income | 1,275,000 | 2,467,000 | 3,638,000 | 4,769,000 |
| Noninterest income | 220,000 | 418,000 | 639,000 | 852,000 |
| Noninterest expense | 855,000 | 1,673,000 | 2,537,000 | 3,352,000 |
| Provision for loan losses | 124,000 | 139,000 | 144,000 | 154,000 |
| Pretax income | 516,000 | 1,073,000 | 1,601,000 | 2,120,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 515,000 | 1,072,000 | 1,599,000 | 2,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,492,000 | 18,874,000 | 19,201,000 | 19,520,000 |
| Total capital | 19,319,000 | 19,659,000 | 19,981,000 | 20,291,000 |
| Risk-weighted assets | 85,706,000 | 87,519,000 | 88,543,000 | 89,316,000 |