Call reports 2004
CITIZENS STATE BANK OF MILFORD — 2004
What CITIZENS STATE BANK OF MILFORD 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 | 35,494,000 | 35,305,000 | 35,817,000 | 38,997,000 |
| Total loans | 19,518,000 | 19,847,000 | 20,084,000 | 21,073,000 |
| Allowance for loan losses | 112,000 | 117,000 | 117,000 | 132,000 |
| Securities available for sale | 10,361,000 | 10,018,000 | 8,352,000 | 9,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,575,000 | 31,641,000 | 31,877,000 | 35,189,000 |
| Interest-bearing deposits | 27,651,000 | 27,712,000 | 27,542,000 | 28,162,000 |
| Noninterest-bearing deposits | 3,924,000 | 3,929,000 | 4,335,000 | 7,027,000 |
| Equity capital | 3,840,000 | 3,604,000 | 3,871,000 | 3,727,000 |
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 | 415,000 | 829,000 | 1,251,000 | 1,690,000 |
| Interest expense | 112,000 | 217,000 | 323,000 | 436,000 |
| Net interest income | 303,000 | 612,000 | 928,000 | 1,254,000 |
| Noninterest income | 51,000 | 90,000 | 132,000 | 178,000 |
| Noninterest expense | 307,000 | 607,000 | 898,000 | 1,246,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 47,000 | 95,000 | 139,000 | 147,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 47,000 | 95,000 | 139,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,671,000 | 3,719,000 | 3,763,000 | 3,671,000 |
| Total capital | 3,783,000 | 3,836,000 | 3,880,000 | 3,803,000 |
| Risk-weighted assets | 23,211,000 | 23,553,000 | 24,226,000 | 25,365,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS STATE BANK OF MILFORD — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.