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 | 135,492,000 | 135,026,000 | 134,527,000 | 139,011,000 |
| Total loans | 89,190,000 | 90,618,000 | 92,068,000 | 88,919,000 |
| Allowance for loan losses | 1,108,000 | 1,142,000 | 1,115,000 | 1,010,000 |
| Securities available for sale | 36,099,000 | 33,597,000 | 33,593,000 | 35,070,000 |
| Securities held to maturity | 318,000 | 524,000 | 212,000 | 142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,794,000 | 113,685,000 | 113,247,000 | 118,284,000 |
| Interest-bearing deposits | 103,213,000 | 103,004,000 | 102,490,000 | 105,902,000 |
| Noninterest-bearing deposits | 10,581,000 | 10,681,000 | 10,757,000 | 12,382,000 |
| Equity capital | 14,108,000 | 13,816,000 | 14,410,000 | 14,539,000 |
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 | 1,742,000 | 3,502,000 | 5,280,000 | 7,052,000 |
| Interest expense | 614,000 | 1,209,000 | 1,817,000 | 2,436,000 |
| Net interest income | 1,128,000 | 2,293,000 | 3,463,000 | 4,616,000 |
| Noninterest income | 147,000 | 303,000 | 437,000 | 552,000 |
| Noninterest expense | 788,000 | 1,546,000 | 2,336,000 | 3,110,000 |
| Provision for loan losses | 45,000 | 115,000 | 160,000 | 235,000 |
| Pretax income | 444,000 | 945,000 | 1,415,000 | 1,846,000 |
| Income tax | 125,000 | 271,000 | 411,000 | 533,000 |
| Net income | 319,000 | 674,000 | 1,004,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,610,000 | 11,891,000 | 12,098,000 | 12,353,000 |
| Total capital | 12,718,000 | 13,033,000 | 13,213,000 | 13,363,000 |
| Risk-weighted assets | 101,625,000 | 100,461,000 | 101,710,000 | 101,695,000 |