Call reports 2004
CITIZENS STATE BANK — 2004
What CITIZENS STATE BANK 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 | 88,826,000 | 85,799,000 | 86,182,000 | 86,710,000 |
| Total loans | 57,680,000 | 59,176,000 | 60,344,000 | 63,368,000 |
| Allowance for loan losses | 777,000 | 802,000 | 834,000 | 813,000 |
| Securities available for sale | 22,764,000 | 21,498,000 | 20,049,000 | 18,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,889,000 | 71,245,000 | 71,184,000 | 68,532,000 |
| Interest-bearing deposits | 66,016,000 | 62,463,000 | 62,621,000 | 58,404,000 |
| Noninterest-bearing deposits | 8,873,000 | 8,782,000 | 8,563,000 | 10,128,000 |
| Equity capital | 7,754,000 | 7,706,000 | 8,054,000 | 8,178,000 |
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 | 1,104,000 | 2,226,000 | 3,433,000 | 4,600,000 |
| Interest expense | 365,000 | 697,000 | 1,016,000 | 1,339,000 |
| Net interest income | 739,000 | 1,529,000 | 2,417,000 | 3,261,000 |
| Noninterest income | 124,000 | 324,000 | 370,000 | 507,000 |
| Noninterest expense | 623,000 | 1,231,000 | 1,837,000 | 2,515,000 |
| Provision for loan losses | 15,000 | 35,000 | 58,000 | 80,000 |
| Pretax income | 225,000 | 588,000 | 885,000 | 1,163,000 |
| Income tax | 58,000 | 158,000 | 236,000 | 327,000 |
| Net income | 167,000 | 430,000 | 649,000 | 836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,500,000 | 7,762,000 | 7,981,000 | 8,168,000 |
| Total capital | 8,277,000 | 8,547,000 | 8,776,000 | 8,981,000 |
| Risk-weighted assets | 62,275,000 | 62,849,000 | 63,568,000 | 66,849,000 |