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 | 8,313,000 | 8,032,000 | 8,444,000 | 8,603,000 |
| Total loans | 4,066,000 | 4,289,000 | 4,654,000 | 4,530,000 |
| Allowance for loan losses | 91,000 | 91,000 | 91,000 | 91,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 383,000 | 166,000 | 357,000 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,160,000 | 6,996,000 | 7,376,000 | 7,618,000 |
| Interest-bearing deposits | 5,659,000 | 5,783,000 | 5,914,000 | 6,075,000 |
| Noninterest-bearing deposits | 1,501,000 | 1,213,000 | 1,462,000 | 1,543,000 |
| Equity capital | 1,112,000 | 1,001,000 | 1,033,000 | 950,000 |
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 | 85,000 | 168,000 | 258,000 | 359,000 |
| Interest expense | 18,000 | 35,000 | 52,000 | 70,000 |
| Net interest income | 67,000 | 133,000 | 206,000 | 289,000 |
| Noninterest income | 8,000 | 17,000 | 39,000 | 50,000 |
| Noninterest expense | 59,000 | 116,000 | 172,000 | 245,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 34,000 | 73,000 | 94,000 |
| Income tax | 0 | 2,000 | 4,000 | 4,000 |
| Net income | 26,000 | 42,000 | 79,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,112,000 | 1,001,000 | 1,033,000 | 950,000 |
| Total capital | 1,158,000 | 1,047,000 | 1,085,000 | 1,002,000 |
| Risk-weighted assets | 3,604,000 | 3,781,000 | 4,153,000 | 4,146,000 |