Call reports 2005
CITIZENS STATE BANK OF WATERVILLE — 2005
What CITIZENS STATE BANK OF WATERVILLE 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 | 21,741,000 | 23,251,000 | 23,029,000 | 22,907,000 |
| Total loans | 12,472,000 | 13,039,000 | 13,845,000 | 13,659,000 |
| Allowance for loan losses | 136,000 | 136,000 | 136,000 | 141,000 |
| Securities available for sale | 6,918,000 | 6,301,000 | 6,141,000 | 6,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,550,000 | 20,894,000 | 20,551,000 | 20,323,000 |
| Interest-bearing deposits | 15,625,000 | 16,970,000 | 16,057,000 | 15,979,000 |
| Noninterest-bearing deposits | 3,925,000 | 3,924,000 | 4,494,000 | 4,344,000 |
| Equity capital | 2,102,000 | 2,263,000 | 2,372,000 | 2,458,000 |
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 | 285,000 | 584,000 | 904,000 | 1,237,000 |
| Interest expense | 43,000 | 92,000 | 156,000 | 223,000 |
| Net interest income | 242,000 | 492,000 | 748,000 | 1,014,000 |
| Noninterest income | 47,000 | 91,000 | 137,000 | 186,000 |
| Noninterest expense | 165,000 | 324,000 | 485,000 | 656,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 124,000 | 261,000 | 402,000 | 539,000 |
| Income tax | 18,000 | 21,000 | 21,000 | 22,000 |
| Net income | 106,000 | 240,000 | 381,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,756,000 | 1,890,000 | 2,031,000 | 2,167,000 |
| Total capital | 1,892,000 | 2,026,000 | 2,167,000 | 2,308,000 |
| Risk-weighted assets | 14,583,000 | 14,560,000 | 15,007,000 | 14,816,000 |