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 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,570,000 | 37,217,000 | 35,341,000 | 36,828,000 |
| Total loans | 20,178,000 | 21,833,000 | 22,260,000 | 21,762,000 |
| Allowance for loan losses | 430,000 | 413,000 | 319,000 | 370,000 |
| Securities available for sale | 4,871,000 | 3,804,000 | 3,664,000 | 3,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,576,000 | 32,662,000 | 31,368,000 | 32,849,000 |
| Interest-bearing deposits | 26,728,000 | 26,953,000 | 25,933,000 | 26,276,000 |
| Noninterest-bearing deposits | 5,848,000 | 5,709,000 | 5,435,000 | 6,573,000 |
| Equity capital | 3,344,000 | 3,397,000 | 3,316,000 | 3,330,000 |
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 | 504,000 | 1,019,000 | 1,549,000 | 2,070,000 |
| Interest expense | 149,000 | 320,000 | 491,000 | 676,000 |
| Net interest income | 355,000 | 699,000 | 1,058,000 | 1,394,000 |
| Noninterest income | 87,000 | 174,000 | 260,000 | 359,000 |
| Noninterest expense | 324,000 | 673,000 | 1,053,000 | 1,484,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 152,000 |
| Pretax income | 118,000 | 200,000 | 165,000 | 117,000 |
| Income tax | 29,000 | 71,000 | 98,000 | 28,000 |
| Net income | 89,000 | 129,000 | 67,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,363,000 | 3,403,000 | 3,342,000 | 3,360,000 |
| Total capital | 3,608,000 | 3,675,000 | 3,605,000 | 3,634,000 |
| Risk-weighted assets | 19,390,000 | 21,798,000 | 20,250,000 | 21,030,000 |