Call reports 2004
CITIZENS STATE BANK — 2004
What CITIZENS STATE BANK 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 | 126,012,000 | 125,028,000 | 125,066,000 | 123,042,000 |
| Total loans | 67,701,000 | 66,409,000 | 71,370,000 | 63,884,000 |
| Allowance for loan losses | 664,000 | 663,000 | 657,000 | 648,000 |
| Securities available for sale | 47,813,000 | 53,240,000 | 44,914,000 | 44,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,996,000 | 106,809,000 | 108,074,000 | 106,197,000 |
| Interest-bearing deposits | 83,859,000 | 84,184,000 | 85,214,000 | 80,123,000 |
| Noninterest-bearing deposits | 24,137,000 | 22,625,000 | 22,860,000 | 26,074,000 |
| Equity capital | 13,696,000 | 11,120,000 | 12,145,000 | 12,471,000 |
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 | 1,436,000 | 2,868,000 | 4,334,000 | 5,833,000 |
| Interest expense | 295,000 | 583,000 | 884,000 | 1,197,000 |
| Net interest income | 1,141,000 | 2,285,000 | 3,450,000 | 4,636,000 |
| Noninterest income | 311,000 | 622,000 | 973,000 | 1,288,000 |
| Noninterest expense | 849,000 | 1,749,000 | 2,611,000 | 3,508,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 616,000 | 1,169,000 | 1,866,000 | 2,467,000 |
| Income tax | 191,000 | 357,000 | 578,000 | 709,000 |
| Net income | 425,000 | 812,000 | 1,288,000 | 1,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,214,000 | 11,466,000 | 11,981,000 | 12,449,000 |
| Total capital | 13,878,000 | 12,129,000 | 12,638,000 | 13,097,000 |
| Risk-weighted assets | 61,552,000 | 62,345,000 | 63,480,000 | 61,142,000 |