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 | 157,592,000 | 170,123,000 | 169,105,000 | 171,080,000 |
| Total loans | 141,271,000 | 154,164,000 | 152,046,000 | 153,037,000 |
| Allowance for loan losses | 1,954,000 | 2,050,000 | 2,102,000 | 2,056,000 |
| Securities available for sale | 6,422,000 | 7,529,000 | 8,973,000 | 8,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,164,000 | 131,878,000 | 143,800,000 | 145,231,000 |
| Interest-bearing deposits | 103,531,000 | 107,448,000 | 118,965,000 | 109,236,000 |
| Noninterest-bearing deposits | 23,633,000 | 24,430,000 | 24,835,000 | 35,995,000 |
| Equity capital | 18,130,000 | 17,978,000 | 18,223,000 | 18,531,000 |
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 | 2,335,000 | 4,945,000 | 7,555,000 | 10,453,000 |
| Interest expense | 510,000 | 1,193,000 | 2,056,000 | 3,025,000 |
| Net interest income | 1,825,000 | 3,752,000 | 5,499,000 | 7,428,000 |
| Noninterest income | 280,000 | 664,000 | 1,271,000 | 1,655,000 |
| Noninterest expense | 1,509,000 | 3,162,000 | 4,745,000 | 6,234,000 |
| Provision for loan losses | 90,000 | 190,000 | 250,000 | 250,000 |
| Pretax income | 506,000 | 1,064,000 | 1,775,000 | 2,599,000 |
| Income tax | 8,000 | 15,000 | 22,000 | 4,000 |
| Net income | 498,000 | 1,049,000 | 1,753,000 | 2,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,604,000 | 17,390,000 | 17,662,000 | 18,055,000 |
| Total capital | 19,043,000 | 18,952,000 | 19,228,000 | 19,669,000 |
| Risk-weighted assets | 114,615,000 | 124,959,000 | 124,742,000 | 128,722,000 |