Call reports 2004
CITIZENS SECURITY BANK — 2004
What CITIZENS SECURITY 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 | 163,742,000 | 161,293,000 | 164,106,000 | 165,020,000 |
| Total loans | 123,794,000 | 125,664,000 | 131,259,000 | 125,446,000 |
| Allowance for loan losses | 2,321,000 | 2,391,000 | 2,388,000 | 2,117,000 |
| Securities available for sale | 23,533,000 | 22,173,000 | 19,704,000 | 24,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,784,000 | 130,457,000 | 134,326,000 | 134,389,000 |
| Interest-bearing deposits | 113,114,000 | 111,589,000 | 112,627,000 | 113,473,000 |
| Noninterest-bearing deposits | 19,670,000 | 18,868,000 | 21,699,000 | 20,916,000 |
| Equity capital | 14,584,000 | 14,963,000 | 15,750,000 | 16,566,000 |
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 | 2,313,000 | 4,672,000 | 7,023,000 | 9,422,000 |
| Interest expense | 485,000 | 950,000 | 1,455,000 | 1,991,000 |
| Net interest income | 1,828,000 | 3,722,000 | 5,568,000 | 7,431,000 |
| Noninterest income | 536,000 | 1,042,000 | 1,578,000 | 2,255,000 |
| Noninterest expense | 1,245,000 | 2,448,000 | 3,682,000 | 4,967,000 |
| Provision for loan losses | -122,000 | 99,000 | 352,000 | 221,000 |
| Pretax income | 1,241,000 | 2,217,000 | 3,112,000 | 4,498,000 |
| Income tax | 418,000 | 747,000 | 1,038,000 | 1,526,000 |
| Net income | 823,000 | 1,470,000 | 2,074,000 | 2,972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,123,000 | 12,763,000 | 13,371,000 | 14,267,000 |
| Total capital | 13,759,000 | 14,393,000 | 15,048,000 | 15,895,000 |
| Risk-weighted assets | 130,221,000 | 129,646,000 | 133,478,000 | 129,774,000 |