Call reports 2004
CITIZENS STATE BANK OF POMONA, THE — 2004
What CITIZENS STATE BANK OF POMONA, THE 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 | 13,927,000 | 13,018,000 | 13,416,000 | 13,794,000 |
| Total loans | 9,598,000 | 9,214,000 | 10,019,000 | 10,212,000 |
| Allowance for loan losses | 104,000 | 104,000 | 108,000 | 92,000 |
| Securities available for sale | 3,617,000 | 3,176,000 | 2,721,000 | 2,690,000 |
| Securities held to maturity | 208,000 | 208,000 | 5,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,058,000 | 10,827,000 | 11,481,000 | 11,839,000 |
| Interest-bearing deposits | 10,263,000 | 9,376,000 | 10,090,000 | 10,507,000 |
| Noninterest-bearing deposits | 1,795,000 | 1,451,000 | 1,391,000 | 1,332,000 |
| Equity capital | 1,765,000 | 1,723,000 | 1,767,000 | 1,801,000 |
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 | 211,000 | 416,000 | 622,000 | 836,000 |
| Interest expense | 45,000 | 83,000 | 120,000 | 164,000 |
| Net interest income | 166,000 | 333,000 | 502,000 | 672,000 |
| Noninterest income | 22,000 | 63,000 | 114,000 | 157,000 |
| Noninterest expense | 110,000 | 235,000 | 358,000 | 490,000 |
| Provision for loan losses | 6,000 | 8,000 | 35,000 | 55,000 |
| Pretax income | 72,000 | 153,000 | 223,000 | 284,000 |
| Income tax | 24,000 | 54,000 | 81,000 | 99,000 |
| Net income | 48,000 | 99,000 | 142,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,747,000 | 1,723,000 | 1,767,000 | 1,801,000 |
| Total capital | 1,851,000 | 1,827,000 | 1,875,000 | 1,893,000 |
| Risk-weighted assets | 8,465,000 | 8,366,000 | 9,370,000 | 9,551,000 |