Call reports 2004
CITIZENS STATE BANK OF WATERVILLE — 2004
What CITIZENS STATE BANK OF WATERVILLE 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 | 23,075,000 | 23,385,000 | 23,127,000 | 23,486,000 |
| Total loans | 13,108,000 | 12,447,000 | 11,834,000 | 11,958,000 |
| Allowance for loan losses | 144,000 | 144,000 | 143,000 | 136,000 |
| Securities available for sale | 7,392,000 | 6,853,000 | 8,199,000 | 7,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,653,000 | 21,111,000 | 20,707,000 | 21,024,000 |
| Interest-bearing deposits | 16,638,000 | 17,006,000 | 16,725,000 | 16,617,000 |
| Noninterest-bearing deposits | 4,015,000 | 4,105,000 | 3,982,000 | 4,407,000 |
| Equity capital | 2,167,000 | 2,159,000 | 2,260,000 | 2,316,000 |
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 | 272,000 | 553,000 | 833,000 | 1,123,000 |
| Interest expense | 53,000 | 106,000 | 157,000 | 208,000 |
| Net interest income | 219,000 | 447,000 | 676,000 | 915,000 |
| Noninterest income | 55,000 | 116,000 | 164,000 | 212,000 |
| Noninterest expense | 171,000 | 352,000 | 535,000 | 702,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 103,000 | 211,000 | 305,000 | 425,000 |
| Income tax | 34,000 | 70,000 | 100,000 | 141,000 |
| Net income | 69,000 | 141,000 | 205,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,689,000 | 1,762,000 | 1,826,000 | 1,904,000 |
| Total capital | 1,833,000 | 1,906,000 | 1,969,000 | 2,040,000 |
| Risk-weighted assets | 15,773,000 | 15,343,000 | 14,354,000 | 14,655,000 |