Call reports 2005
CITIZENS STATE BANK OF SHAKOPEE — 2005
What CITIZENS STATE BANK OF SHAKOPEE 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 | 22,883,000 | 21,976,000 | 23,622,000 | 22,438,000 |
| Total loans | 12,924,000 | 12,552,000 | 12,751,000 | 12,235,000 |
| Allowance for loan losses | 295,000 | 294,000 | 294,000 | 246,000 |
| Securities available for sale | 5,505,000 | 5,036,000 | 5,024,000 | 5,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,619,000 | 18,662,000 | 20,316,000 | 19,142,000 |
| Interest-bearing deposits | 14,155,000 | 13,217,000 | 14,459,000 | 13,365,000 |
| Noninterest-bearing deposits | 5,464,000 | 5,445,000 | 5,857,000 | 5,777,000 |
| Equity capital | 2,319,000 | 2,395,000 | 2,388,000 | 2,394,000 |
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 | 264,000 | 535,000 | 807,000 | 1,096,000 |
| Interest expense | 51,000 | 107,000 | 167,000 | 233,000 |
| Net interest income | 213,000 | 428,000 | 640,000 | 863,000 |
| Noninterest income | 45,000 | 94,000 | 140,000 | 184,000 |
| Noninterest expense | 220,000 | 427,000 | 655,000 | 883,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 38,000 | 95,000 | 125,000 | 160,000 |
| Income tax | 7,000 | 16,000 | 37,000 | 56,000 |
| Net income | 31,000 | 79,000 | 88,000 | 104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,358,000 | 2,418,000 | 2,414,000 | 2,431,000 |
| Total capital | 2,358,000 | 2,590,000 | 2,587,000 | 2,513,000 |
| Risk-weighted assets | 13,957,000 | 14,258,000 | 13,828,000 | 12,978,000 |