Call reports 2005
CITIZENS STATE BANK — 2005
What CITIZENS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 55,943,000 | 54,378,000 |
| Total loans | 37,703,000 | 37,701,000 |
| Allowance for loan losses | 472,000 | 498,000 |
| Securities available for sale | 12,686,000 | 10,141,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 49,132,000 | 47,835,000 |
| Interest-bearing deposits | 42,323,000 | 41,211,000 |
| Noninterest-bearing deposits | 6,809,000 | 6,624,000 |
| Equity capital | 6,570,000 | 6,227,000 |
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 |
|---|---|---|
| Interest income | 738,000 | 1,501,000 |
| Interest expense | 150,000 | 317,000 |
| Net interest income | 588,000 | 1,184,000 |
| Noninterest income | 103,000 | 201,000 |
| Noninterest expense | 443,000 | 929,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 254,000 | 429,000 |
| Income tax | 67,000 | 107,000 |
| Net income | 187,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 3,686,000 | 3,298,000 |
| Total capital | 4,136,000 | 3,740,000 |
| Risk-weighted assets | 35,983,000 | 35,274,000 |