Call reports 2005
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2005
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 58,344,000 | 60,531,000 | 56,072,000 | 60,113,000 |
| Total loans | 35,042,000 | 33,803,000 | 32,706,000 | 34,659,000 |
| Allowance for loan losses | 819,000 | 839,000 | 844,000 | 837,000 |
| Securities available for sale | 18,618,000 | 18,965,000 | 18,859,000 | 18,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,271,000 | 49,148,000 | 44,899,000 | 50,422,000 |
| Interest-bearing deposits | 37,594,000 | 39,103,000 | 36,341,000 | 40,996,000 |
| Noninterest-bearing deposits | 9,677,000 | 10,045,000 | 8,558,000 | 9,426,000 |
| Equity capital | 5,176,000 | 5,454,000 | 5,371,000 | 5,221,000 |
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 | 722,000 | 1,494,000 | 2,260,000 | 3,028,000 |
| Interest expense | 189,000 | 400,000 | 618,000 | 860,000 |
| Net interest income | 533,000 | 1,094,000 | 1,642,000 | 2,168,000 |
| Noninterest income | 147,000 | 293,000 | 487,000 | 639,000 |
| Noninterest expense | 465,000 | 942,000 | 1,400,000 | 1,868,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 225,000 | 456,000 | 740,000 | 950,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 40,000 |
| Net income | 215,000 | 436,000 | 710,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,127,000 | 5,511,000 | 5,605,000 | 5,626,000 |
| Total capital | 5,581,000 | 5,887,000 | 6,028,000 | 6,035,000 |
| Risk-weighted assets | 35,936,000 | 29,657,000 | 33,486,000 | 32,895,000 |