Call reports 2004
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2004
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 54,880,000 | 57,952,000 | 55,916,000 | 58,895,000 |
| Total loans | 33,939,000 | 34,515,000 | 33,246,000 | 35,286,000 |
| Allowance for loan losses | 714,000 | 802,000 | 821,000 | 817,000 |
| Securities available for sale | 14,695,000 | 17,256,000 | 18,301,000 | 18,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,436,000 | 44,088,000 | 44,225,000 | 48,957,000 |
| Interest-bearing deposits | 34,243,000 | 35,415,000 | 34,848,000 | 39,951,000 |
| Noninterest-bearing deposits | 8,193,000 | 8,673,000 | 9,377,000 | 9,006,000 |
| Equity capital | 5,647,000 | 5,334,000 | 5,634,000 | 5,502,000 |
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 | 704,000 | 1,432,000 | 2,157,000 | 2,895,000 |
| Interest expense | 159,000 | 318,000 | 482,000 | 671,000 |
| Net interest income | 545,000 | 1,114,000 | 1,675,000 | 2,224,000 |
| Noninterest income | 143,000 | 266,000 | 386,000 | 557,000 |
| Noninterest expense | 476,000 | 928,000 | 1,389,000 | 1,870,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 239,000 | 480,000 | 700,000 | 939,000 |
| Income tax | 9,000 | 20,000 | 27,000 | 37,000 |
| Net income | 230,000 | 460,000 | 673,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,319,000 | 5,398,000 | 5,460,000 | 5,433,000 |
| Total capital | 5,748,000 | 5,841,000 | 5,886,000 | 5,886,000 |
| Risk-weighted assets | 34,050,000 | 35,082,000 | 33,664,000 | 35,872,000 |