Call reports 2004
CITIZENS STATE BANK OF NEW CASTLE — 2004
What CITIZENS STATE BANK OF NEW CASTLE 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 | 241,591,000 | 228,788,000 | 230,124,000 | 247,236,000 |
| Total loans | 93,629,000 | 95,759,000 | 97,526,000 | 97,770,000 |
| Allowance for loan losses | 1,075,000 | 1,075,000 | 1,112,000 | 1,114,000 |
| Securities available for sale | 95,869,000 | 89,573,000 | 82,596,000 | 78,780,000 |
| Securities held to maturity | 12,510,000 | 16,840,000 | 16,114,000 | 25,545,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,651,000 | 204,691,000 | 204,996,000 | 222,363,000 |
| Interest-bearing deposits | 188,728,000 | 178,500,000 | 178,116,000 | 195,264,000 |
| Noninterest-bearing deposits | 26,923,000 | 26,191,000 | 26,880,000 | 27,099,000 |
| Equity capital | 23,087,000 | 21,611,000 | 22,730,000 | 22,658,000 |
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 | 2,575,000 | 5,142,000 | 7,693,000 | 10,299,000 |
| Interest expense | 557,000 | 1,082,000 | 1,600,000 | 2,148,000 |
| Net interest income | 2,018,000 | 4,060,000 | 6,093,000 | 8,151,000 |
| Noninterest income | 512,000 | 1,042,000 | 1,584,000 | 2,130,000 |
| Noninterest expense | 1,663,000 | 3,388,000 | 5,081,000 | 6,883,000 |
| Provision for loan losses | 45,000 | 115,000 | 195,000 | 295,000 |
| Pretax income | 853,000 | 1,677,000 | 2,512,000 | 3,216,000 |
| Income tax | 225,000 | 445,000 | 683,000 | 870,000 |
| Net income | 628,000 | 1,232,000 | 1,829,000 | 2,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,036,000 | 22,298,000 | 22,535,000 | 22,692,000 |
| Total capital | 23,111,000 | 23,373,000 | 23,647,000 | 23,806,000 |
| Risk-weighted assets | 119,661,000 | 121,991,000 | 120,338,000 | 125,362,000 |