Call reports 2005
CITIZENS STATE BANK OF POMONA, THE — 2005
What CITIZENS STATE BANK OF POMONA, THE 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 | 15,272,000 | 15,973,000 | 17,612,000 | 19,487,000 |
| Total loans | 10,452,000 | 11,337,000 | 13,047,000 | 14,599,000 |
| Allowance for loan losses | 98,000 | 105,000 | 120,000 | 134,000 |
| Securities available for sale | 3,459,000 | 3,265,000 | 3,304,000 | 3,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,419,000 | 13,320,000 | 15,488,000 | 16,673,000 |
| Interest-bearing deposits | 11,610,000 | 11,685,000 | 13,695,000 | 14,712,000 |
| Noninterest-bearing deposits | 1,809,000 | 1,635,000 | 1,793,000 | 1,961,000 |
| Equity capital | 1,793,000 | 1,771,000 | 1,800,000 | 1,826,000 |
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 | 212,000 | 456,000 | 736,000 | 1,058,000 |
| Interest expense | 55,000 | 122,000 | 203,000 | 306,000 |
| Net interest income | 157,000 | 334,000 | 533,000 | 752,000 |
| Noninterest income | 39,000 | 105,000 | 151,000 | 218,000 |
| Noninterest expense | 159,000 | 335,000 | 517,000 | 751,000 |
| Provision for loan losses | 27,000 | 49,000 | 73,000 | 106,000 |
| Pretax income | 10,000 | 55,000 | 94,000 | 113,000 |
| Income tax | 2,000 | 18,000 | 25,000 | 28,000 |
| Net income | 8,000 | 37,000 | 69,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,809,000 | 1,783,000 | 1,813,000 | 1,842,000 |
| Total capital | 1,907,000 | 1,888,000 | 1,933,000 | 1,976,000 |
| Risk-weighted assets | 9,987,000 | 10,774,000 | 12,330,000 | 13,847,000 |