Call reports 2005
CITIZENS STATE BANK — 2005
What CITIZENS STATE BANK 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 | 125,593,000 | 125,768,000 | 129,986,000 | 132,424,000 |
| Total loans | 69,495,000 | 71,468,000 | 71,590,000 | 67,312,000 |
| Allowance for loan losses | 647,000 | 551,000 | 533,000 | 536,000 |
| Securities available for sale | 45,127,000 | 44,709,000 | 43,165,000 | 48,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,689,000 | 108,441,000 | 112,009,000 | 113,696,000 |
| Interest-bearing deposits | 80,891,000 | 80,161,000 | 80,159,000 | 83,221,000 |
| Noninterest-bearing deposits | 27,798,000 | 28,280,000 | 31,850,000 | 30,475,000 |
| Equity capital | 12,551,000 | 12,775,000 | 13,156,000 | 12,619,000 |
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 | 1,508,000 | 3,094,000 | 4,774,000 | 6,539,000 |
| Interest expense | 329,000 | 712,000 | 1,152,000 | 1,653,000 |
| Net interest income | 1,179,000 | 2,382,000 | 3,622,000 | 4,886,000 |
| Noninterest income | 326,000 | 616,000 | 945,000 | 1,264,000 |
| Noninterest expense | 861,000 | 1,735,000 | 2,622,000 | 3,570,000 |
| Provision for loan losses | 0 | -100,000 | -100,000 | -100,000 |
| Pretax income | 644,000 | 1,357,000 | 2,039,000 | 2,674,000 |
| Income tax | 193,000 | 411,000 | 616,000 | 772,000 |
| Net income | 451,000 | 946,000 | 1,423,000 | 1,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,900,000 | 13,027,000 | 13,504,000 | 13,021,000 |
| Total capital | 13,547,000 | 13,578,000 | 14,037,000 | 13,557,000 |
| Risk-weighted assets | 61,939,000 | 65,618,000 | 66,771,000 | 66,230,000 |