Call reports 2004
CITIZENS STATE BANK OF SHAKOPEE — 2004
What CITIZENS STATE BANK OF SHAKOPEE 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 | 24,269,000 | 22,080,000 | 25,769,000 | 22,998,000 |
| Total loans | 9,534,000 | 10,094,000 | 11,144,000 | 10,562,000 |
| Allowance for loan losses | 294,000 | 294,000 | 295,000 | 295,000 |
| Securities available for sale | 6,682,000 | 6,536,000 | 6,102,000 | 5,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,965,000 | 18,846,000 | 22,448,000 | 19,719,000 |
| Interest-bearing deposits | 15,691,000 | 13,427,000 | 17,191,000 | 13,543,000 |
| Noninterest-bearing deposits | 5,274,000 | 5,419,000 | 5,257,000 | 6,176,000 |
| Equity capital | 2,335,000 | 2,261,000 | 2,328,000 | 2,319,000 |
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 | 238,000 | 463,000 | 705,000 | 943,000 |
| Interest expense | 49,000 | 99,000 | 148,000 | 199,000 |
| Net interest income | 189,000 | 364,000 | 557,000 | 744,000 |
| Noninterest income | 42,000 | 86,000 | 132,000 | 175,000 |
| Noninterest expense | 195,000 | 393,000 | 595,000 | 808,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 36,000 | 57,000 | 94,000 | 111,000 |
| Income tax | 13,000 | 20,000 | 30,000 | 30,000 |
| Net income | 23,000 | 37,000 | 64,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,269,000 | 2,282,000 | 2,310,000 | 2,327,000 |
| Total capital | 2,424,000 | 2,435,000 | 2,481,000 | 2,493,000 |
| Risk-weighted assets | 12,261,000 | 12,075,000 | 13,523,000 | 13,120,000 |