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 | 38,125,000 | 37,422,000 | 35,017,000 | 36,427,000 |
| Total loans | 22,309,000 | 21,629,000 | 21,732,000 | 21,608,000 |
| Allowance for loan losses | 562,000 | 452,000 | 482,000 | 426,000 |
| Securities available for sale | 3,114,000 | 5,258,000 | 5,048,000 | 4,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,382,000 | 31,621,000 | 30,080,000 | 31,474,000 |
| Interest-bearing deposits | 28,142,000 | 27,197,000 | 26,180,000 | 26,695,000 |
| Noninterest-bearing deposits | 4,240,000 | 4,424,000 | 3,900,000 | 4,779,000 |
| Equity capital | 3,169,000 | 3,225,000 | 3,350,000 | 3,309,000 |
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 | 530,000 | 1,034,000 | 1,553,000 | 2,088,000 |
| Interest expense | 157,000 | 320,000 | 474,000 | 630,000 |
| Net interest income | 373,000 | 714,000 | 1,079,000 | 1,458,000 |
| Noninterest income | 76,000 | 152,000 | 246,000 | 329,000 |
| Noninterest expense | 372,000 | 711,000 | 1,009,000 | 1,405,000 |
| Provision for loan losses | 11,000 | 11,000 | 11,000 | 36,000 |
| Pretax income | 66,000 | 144,000 | 305,000 | 346,000 |
| Income tax | 23,000 | 40,000 | 71,000 | 89,000 |
| Net income | 43,000 | 104,000 | 234,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,150,000 | 3,212,000 | 3,340,000 | 3,318,000 |
| Total capital | 3,421,000 | 3,470,000 | 3,595,000 | 3,584,000 |
| Risk-weighted assets | 21,386,000 | 20,769,000 | 20,164,000 | 21,110,000 |