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 | 15,623,000 | 15,100,000 | 17,405,000 | 16,982,000 |
| Total loans | 14,276,000 | 14,288,000 | 16,417,000 | 15,746,000 |
| Allowance for loan losses | 322,000 | 331,000 | 338,000 | 247,000 |
| 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 | 12,941,000 | 12,939,000 | 13,815,000 | 14,956,000 |
| Interest-bearing deposits | 10,620,000 | 10,719,000 | 11,889,000 | 11,090,000 |
| Noninterest-bearing deposits | 2,321,000 | 2,220,000 | 1,926,000 | 3,866,000 |
| Equity capital | 1,428,000 | 1,467,000 | 1,495,000 | 1,429,000 |
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 | 229,000 | 477,000 | 737,000 | 1,012,000 |
| Interest expense | 64,000 | 135,000 | 215,000 | 322,000 |
| Net interest income | 165,000 | 342,000 | 522,000 | 690,000 |
| Noninterest income | 29,000 | 64,000 | 102,000 | 130,000 |
| Noninterest expense | 107,000 | 221,000 | 336,000 | 480,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 78,000 | 167,000 | 261,000 | 304,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 167,000 | 261,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,428,000 | 1,467,000 | 1,495,000 | 1,429,000 |
| Total capital | 1,616,000 | 1,653,000 | 1,714,000 | 1,640,000 |
| Risk-weighted assets | 14,881,000 | 14,744,000 | 17,364,000 | 16,801,000 |