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 | 138,865,000 | 141,383,000 | 143,260,000 | 148,946,000 |
| Total loans | 91,993,000 | 94,061,000 | 99,073,000 | 99,152,000 |
| Allowance for loan losses | 1,067,000 | 1,073,000 | 1,041,000 | 1,090,000 |
| Securities available for sale | 34,775,000 | 35,253,000 | 33,296,000 | 33,732,000 |
| Securities held to maturity | 142,000 | 562,000 | 493,000 | 468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,778,000 | 118,002,000 | 120,048,000 | 125,520,000 |
| Interest-bearing deposits | 106,159,000 | 106,457,000 | 108,449,000 | 109,623,000 |
| Noninterest-bearing deposits | 10,618,000 | 11,546,000 | 11,600,000 | 15,897,000 |
| Equity capital | 14,456,000 | 14,717,000 | 14,840,000 | 13,802,000 |
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 | 1,806,000 | 3,717,000 | 5,680,000 | 7,717,000 |
| Interest expense | 625,000 | 1,312,000 | 2,064,000 | 2,861,000 |
| Net interest income | 1,181,000 | 2,405,000 | 3,616,000 | 4,856,000 |
| Noninterest income | 142,000 | 266,000 | 408,000 | 543,000 |
| Noninterest expense | 785,000 | 1,565,000 | 2,363,000 | 3,154,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 300,000 |
| Pretax income | 481,000 | 989,000 | 1,454,000 | 1,953,000 |
| Income tax | 144,000 | 298,000 | 437,000 | 585,000 |
| Net income | 337,000 | 691,000 | 1,017,000 | 1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,573,000 | 12,713,000 | 12,905,000 | 12,153,000 |
| Total capital | 13,640,000 | 13,786,000 | 13,946,000 | 13,243,000 |
| Risk-weighted assets | 105,596,000 | 107,674,000 | 111,506,000 | 113,098,000 |