Call reports 2005
CITIZENS STATE BANK OF NEW CASTLE — 2005
What CITIZENS STATE BANK OF NEW CASTLE 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 | 229,960,000 | 223,903,000 | 225,718,000 | 223,876,000 |
| Total loans | 99,671,000 | 102,922,000 | 103,955,000 | 102,618,000 |
| Allowance for loan losses | 1,141,000 | 1,166,000 | 1,167,000 | 1,178,000 |
| Securities available for sale | 72,401,000 | 66,288,000 | 63,326,000 | 59,549,000 |
| Securities held to maturity | 27,517,000 | 29,934,000 | 29,868,000 | 29,694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,132,000 | 198,702,000 | 200,432,000 | 198,919,000 |
| Interest-bearing deposits | 178,240,000 | 172,814,000 | 171,522,000 | 170,316,000 |
| Noninterest-bearing deposits | 26,892,000 | 25,888,000 | 28,910,000 | 28,603,000 |
| Equity capital | 22,337,000 | 22,806,000 | 22,896,000 | 22,757,000 |
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 | 2,573,000 | 5,220,000 | 7,881,000 | 10,572,000 |
| Interest expense | 585,000 | 1,242,000 | 1,954,000 | 2,725,000 |
| Net interest income | 1,988,000 | 3,978,000 | 5,927,000 | 7,847,000 |
| Noninterest income | 604,000 | 1,199,000 | 1,831,000 | 2,458,000 |
| Noninterest expense | 1,754,000 | 3,501,000 | 5,298,000 | 7,050,000 |
| Provision for loan losses | 55,000 | 120,000 | 150,000 | 241,000 |
| Pretax income | 783,000 | 1,556,000 | 2,310,000 | 3,040,000 |
| Income tax | 218,000 | 415,000 | 615,000 | 840,000 |
| Net income | 565,000 | 1,141,000 | 1,695,000 | 2,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,924,000 | 23,167,000 | 23,361,000 | 23,506,000 |
| Total capital | 24,065,000 | 24,333,000 | 24,528,000 | 24,684,000 |
| Risk-weighted assets | 121,715,000 | 122,994,000 | 124,602,000 | 122,097,000 |