Call reports 2005
CITIZENS SECURITY BANK — 2005
What CITIZENS SECURITY 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 | 168,347,000 | 170,204,000 | 180,370,000 | 183,563,000 |
| Total loans | 124,631,000 | 135,197,000 | 135,619,000 | 131,620,000 |
| Allowance for loan losses | 2,138,000 | 2,195,000 | 2,214,000 | 2,064,000 |
| Securities available for sale | 23,148,000 | 23,442,000 | 25,260,000 | 33,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,595,000 | 138,499,000 | 147,014,000 | 150,954,000 |
| Interest-bearing deposits | 117,342,000 | 114,256,000 | 123,842,000 | 127,594,000 |
| Noninterest-bearing deposits | 22,254,000 | 24,243,000 | 23,172,000 | 23,360,000 |
| Equity capital | 14,515,000 | 15,419,000 | 16,075,000 | 16,819,000 |
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 | 2,412,000 | 5,169,000 | 8,065,000 | 11,174,000 |
| Interest expense | 599,000 | 1,287,000 | 2,064,000 | 2,958,000 |
| Net interest income | 1,813,000 | 3,882,000 | 6,001,000 | 8,216,000 |
| Noninterest income | 529,000 | 1,019,000 | 1,500,000 | 1,964,000 |
| Noninterest expense | 1,264,000 | 2,672,000 | 4,086,000 | 5,470,000 |
| Provision for loan losses | 34,000 | 39,000 | 144,000 | -16,000 |
| Pretax income | 1,044,000 | 2,190,000 | 3,271,000 | 4,706,000 |
| Income tax | 347,000 | 737,000 | 1,101,000 | 1,628,000 |
| Net income | 697,000 | 1,453,000 | 2,170,000 | 3,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,393,000 | 13,154,000 | 13,887,000 | 14,774,000 |
| Total capital | 14,008,000 | 14,855,000 | 15,622,000 | 16,508,000 |
| Risk-weighted assets | 128,637,000 | 135,622,000 | 138,350,000 | 138,358,000 |