Call reports 2005
CITIZENS STATE BANK — 2005
What CITIZENS STATE BANK 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 | 88,596,000 | 89,740,000 | 93,457,000 | 96,733,000 |
| Total loans | 64,110,000 | 66,790,000 | 68,544,000 | 70,159,000 |
| Allowance for loan losses | 833,000 | 863,000 | 893,000 | 922,000 |
| Securities available for sale | 17,503,000 | 17,583,000 | 18,442,000 | 19,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,171,000 | 73,102,000 | 75,284,000 | 75,478,000 |
| Interest-bearing deposits | 62,599,000 | 64,274,000 | 66,117,000 | 64,573,000 |
| Noninterest-bearing deposits | 9,572,000 | 8,828,000 | 9,167,000 | 10,905,000 |
| Equity capital | 8,217,000 | 8,536,000 | 8,639,000 | 8,694,000 |
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 | 1,183,000 | 2,454,000 | 3,800,000 | 5,208,000 |
| Interest expense | 344,000 | 776,000 | 1,266,000 | 1,804,000 |
| Net interest income | 839,000 | 1,678,000 | 2,534,000 | 3,404,000 |
| Noninterest income | 112,000 | 262,000 | 407,000 | 551,000 |
| Noninterest expense | 637,000 | 1,240,000 | 1,875,000 | 2,608,000 |
| Provision for loan losses | 25,000 | 55,000 | 85,000 | 115,000 |
| Pretax income | 289,000 | 645,000 | 970,000 | 1,219,000 |
| Income tax | 76,000 | 176,000 | 266,000 | 324,000 |
| Net income | 213,000 | 469,000 | 704,000 | 895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,332,000 | 8,539,000 | 8,723,000 | 8,863,000 |
| Total capital | 9,165,000 | 9,402,000 | 9,617,000 | 9,785,000 |
| Risk-weighted assets | 67,002,000 | 69,571,000 | 71,553,000 | 74,117,000 |