Call reports 2005
CITIZENS STATE BANK OF CORTEZ, THE — 2005
What CITIZENS STATE BANK OF CORTEZ, THE 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 | 77,283,000 | 78,104,000 | 79,073,000 | 80,649,000 |
| Total loans | 49,728,000 | 48,687,000 | 47,410,000 | 46,483,000 |
| Allowance for loan losses | 737,000 | 727,000 | 648,000 | 620,000 |
| Securities available for sale | 16,892,000 | 21,655,000 | 22,361,000 | 24,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,931,000 | 66,679,000 | 67,842,000 | 69,012,000 |
| Interest-bearing deposits | 41,723,000 | 43,743,000 | 42,181,000 | 41,466,000 |
| Noninterest-bearing deposits | 22,208,000 | 22,936,000 | 25,661,000 | 27,546,000 |
| Equity capital | 5,367,000 | 5,846,000 | 5,430,000 | 5,606,000 |
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 | 1,021,000 | 2,058,000 | 3,147,000 | 4,306,000 |
| Interest expense | 205,000 | 417,000 | 646,000 | 894,000 |
| Net interest income | 816,000 | 1,641,000 | 2,501,000 | 3,412,000 |
| Noninterest income | 283,000 | 626,000 | 968,000 | 1,403,000 |
| Noninterest expense | 794,000 | 1,608,000 | 2,389,000 | 3,227,000 |
| Provision for loan losses | 70,000 | 79,000 | 96,000 | 71,000 |
| Pretax income | 235,000 | 583,000 | 987,000 | 1,513,000 |
| Income tax | 66,000 | 170,000 | 293,000 | 458,000 |
| Net income | 169,000 | 413,000 | 694,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,693,000 | 5,936,000 | 5,716,000 | 6,021,000 |
| Total capital | 6,408,000 | 6,641,000 | 6,364,000 | 6,641,000 |
| Risk-weighted assets | 57,192,000 | 56,349,000 | 56,716,000 | 56,630,000 |