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 | 14,969,000 | 15,360,000 | 15,414,000 | 15,886,000 |
| Total loans | 13,045,000 | 12,964,000 | 14,500,000 | 14,694,000 |
| Allowance for loan losses | 277,000 | 278,000 | 278,000 | 314,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,239,000 | 13,645,000 | 12,264,000 | 13,169,000 |
| Interest-bearing deposits | 11,086,000 | 10,907,000 | 10,447,000 | 10,759,000 |
| Noninterest-bearing deposits | 2,153,000 | 2,737,000 | 1,817,000 | 2,410,000 |
| Equity capital | 1,370,000 | 1,391,000 | 1,414,000 | 1,380,000 |
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 | 220,000 | 431,000 | 658,000 | 923,000 |
| Interest expense | 55,000 | 108,000 | 157,000 | 217,000 |
| Net interest income | 165,000 | 323,000 | 501,000 | 706,000 |
| Noninterest income | 23,000 | 49,000 | 74,000 | 101,000 |
| Noninterest expense | 94,000 | 207,000 | 322,000 | 478,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 94,000 | 165,000 | 253,000 | 329,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 94,000 | 165,000 | 253,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,370,000 | 1,391,000 | 1,414,000 | 1,380,000 |
| Total capital | 1,544,000 | 1,564,000 | 1,603,000 | 1,584,000 |
| Risk-weighted assets | 13,691,000 | 13,729,000 | 15,127,000 | 16,196,000 |