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 | 135,589,000 | 149,108,000 | 149,848,000 | 153,158,000 |
| Total loans | 123,269,000 | 135,184,000 | 135,099,000 | 138,081,000 |
| Allowance for loan losses | 1,527,000 | 1,673,000 | 1,763,000 | 1,872,000 |
| Securities available for sale | 5,298,000 | 5,656,000 | 5,267,000 | 5,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,578,000 | 119,060,000 | 124,203,000 | 128,206,000 |
| Interest-bearing deposits | 89,541,000 | 93,592,000 | 101,711,000 | 99,941,000 |
| Noninterest-bearing deposits | 21,037,000 | 25,468,000 | 22,492,000 | 28,265,000 |
| Equity capital | 17,397,000 | 17,186,000 | 17,422,000 | 17,703,000 |
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 | 1,931,000 | 4,203,000 | 6,495,000 | 8,798,000 |
| Interest expense | 293,000 | 626,000 | 1,030,000 | 1,464,000 |
| Net interest income | 1,638,000 | 3,577,000 | 5,465,000 | 7,334,000 |
| Noninterest income | 289,000 | 618,000 | 858,000 | 1,097,000 |
| Noninterest expense | 1,299,000 | 2,667,000 | 3,997,000 | 5,325,000 |
| Provision for loan losses | 160,000 | 310,000 | 400,000 | 510,000 |
| Pretax income | 468,000 | 1,218,000 | 1,926,000 | 2,596,000 |
| Income tax | 8,000 | 15,000 | 26,000 | 9,000 |
| Net income | 460,000 | 1,203,000 | 1,900,000 | 2,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,708,000 | 16,600,000 | 16,803,000 | 17,106,000 |
| Total capital | 18,132,000 | 17,978,000 | 18,176,000 | 18,503,000 |
| Risk-weighted assets | 113,790,000 | 109,967,000 | 109,473,000 | 111,320,000 |