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 | 8,736,000 | 8,618,000 | 8,275,000 | 8,507,000 |
| Total loans | 4,761,000 | 5,065,000 | 5,159,000 | 5,294,000 |
| Allowance for loan losses | 91,000 | 91,000 | 91,000 | 91,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 496,000 | 490,000 | 287,000 | 282,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,703,000 | 7,558,000 | 7,167,000 | 7,592,000 |
| Interest-bearing deposits | 6,232,000 | 5,800,000 | 5,836,000 | 5,860,000 |
| Noninterest-bearing deposits | 1,471,000 | 1,758,000 | 1,331,000 | 1,732,000 |
| Equity capital | 993,000 | 1,021,000 | 1,066,000 | 884,000 |
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 | 108,000 | 227,000 | 357,000 | 493,000 |
| Interest expense | 21,000 | 45,000 | 71,000 | 101,000 |
| Net interest income | 87,000 | 182,000 | 286,000 | 392,000 |
| Noninterest income | 10,000 | 21,000 | 32,000 | 46,000 |
| Noninterest expense | 52,000 | 121,000 | 183,000 | 279,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 82,000 | 135,000 | 159,000 |
| Income tax | 2,000 | 3,000 | 6,000 | 7,000 |
| Net income | 43,000 | 79,000 | 129,000 | 152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 993,000 | 1,021,000 | 1,066,000 | 884,000 |
| Total capital | 1,044,000 | 1,079,000 | 1,124,000 | 946,000 |
| Risk-weighted assets | 4,024,000 | 4,213,000 | 4,592,000 | 4,854,000 |