Call reports 2004
CITIZENS BANK OF SPARTA, THE — 2004
What CITIZENS BANK OF SPARTA, 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 | 46,566,000 | 45,454,000 | 47,878,000 | 43,992,000 |
| Total loans | 33,106,000 | 32,551,000 | 31,144,000 | 30,298,000 |
| Allowance for loan losses | 522,000 | 521,000 | 471,000 | 532,000 |
| Securities available for sale | 7,099,000 | 6,230,000 | 8,578,000 | 8,134,000 |
| Securities held to maturity | 1,732,000 | 1,657,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,365,000 | 39,313,000 | 41,077,000 | 38,936,000 |
| Interest-bearing deposits | 36,629,000 | 35,457,000 | 36,363,000 | 34,785,000 |
| Noninterest-bearing deposits | 3,736,000 | 3,856,000 | 4,714,000 | 4,151,000 |
| Equity capital | 5,077,000 | 5,003,000 | 4,546,000 | 4,553,000 |
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 | 655,000 | 1,299,000 | 30,000 | 604,000 |
| Interest expense | 188,000 | 369,000 | 11,000 | 180,000 |
| Net interest income | 467,000 | 930,000 | 19,000 | 424,000 |
| Noninterest income | 89,000 | 76,000 | 3,000 | 77,000 |
| Noninterest expense | 541,000 | 904,000 | 1,000 | 387,000 |
| Provision for loan losses | 30,000 | 60,000 | 0 | 61,000 |
| Pretax income | -15,000 | 74,000 | 21,000 | 53,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -15,000 | 74,000 | 21,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,851,000 | 4,940,000 | 3,365,000 | 2,718,000 |
| Total capital | 5,234,000 | 5,315,000 | 3,721,000 | 3,061,000 |
| Risk-weighted assets | 30,547,000 | 29,843,000 | 28,603,000 | 27,174,000 |