Call reports 2004
CITIZENS STATE BANK — 2004
What CITIZENS STATE BANK 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 | 60,078,000 | 58,722,000 | 60,824,000 | 57,260,000 |
| Total loans | 31,905,000 | 32,710,000 | 34,236,000 | 36,742,000 |
| Allowance for loan losses | 459,000 | 466,000 | 415,000 | 453,000 |
| Securities available for sale | 22,726,000 | 21,137,000 | 21,286,000 | 14,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,439,000 | 51,559,000 | 51,654,000 | 50,423,000 |
| Interest-bearing deposits | 46,591,000 | 44,930,000 | 44,442,000 | 43,790,000 |
| Noninterest-bearing deposits | 6,848,000 | 6,629,000 | 7,212,000 | 6,633,000 |
| Equity capital | 6,244,000 | 5,754,000 | 6,162,000 | 6,507,000 |
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 | 735,000 | 1,464,000 | 2,205,000 | 2,945,000 |
| Interest expense | 173,000 | 337,000 | 500,000 | 654,000 |
| Net interest income | 562,000 | 1,127,000 | 1,705,000 | 2,291,000 |
| Noninterest income | 90,000 | 185,000 | 287,000 | 395,000 |
| Noninterest expense | 409,000 | 835,000 | 1,307,000 | 1,785,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 250,000 | 484,000 | 692,000 | 913,000 |
| Income tax | 66,000 | 126,000 | 176,000 | 231,000 |
| Net income | 184,000 | 358,000 | 516,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,162,000 | 3,156,000 | 3,134,000 | 3,500,000 |
| Total capital | 3,557,000 | 3,556,000 | 3,549,000 | 3,946,000 |
| Risk-weighted assets | 31,498,000 | 31,897,000 | 34,320,000 | 35,801,000 |