Call reports 2004
CITIZENS 1ST BANK — 2004
What CITIZENS 1ST 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 | 608,137,000 | 602,230,000 | 611,256,000 | 614,458,000 |
| Total loans | 188,490,000 | 182,798,000 | 187,518,000 | 189,855,000 |
| Allowance for loan losses | 532,000 | 534,000 | 533,000 | 528,000 |
| Securities available for sale | 395,400,000 | 390,240,000 | 398,719,000 | 400,715,000 |
| Securities held to maturity | 469,000 | 469,000 | 469,000 | 469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,484,000 | 259,762,000 | 266,730,000 | 276,988,000 |
| Interest-bearing deposits | 237,235,000 | 238,537,000 | 242,933,000 | 251,927,000 |
| Noninterest-bearing deposits | 20,249,000 | 21,225,000 | 23,797,000 | 25,061,000 |
| Equity capital | 94,181,000 | 77,285,000 | 88,409,000 | 87,995,000 |
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 | 8,974,000 | 17,804,000 | 26,548,000 | 35,236,000 |
| Interest expense | 4,162,000 | 8,357,000 | 12,595,000 | 16,940,000 |
| Net interest income | 4,812,000 | 9,447,000 | 13,953,000 | 18,296,000 |
| Noninterest income | 226,000 | 481,000 | 676,000 | 894,000 |
| Noninterest expense | 1,190,000 | 2,576,000 | 3,904,000 | 5,489,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,848,000 | 7,482,000 | 10,856,000 | 13,831,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,848,000 | 7,482,000 | 10,856,000 | 13,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,497,000 | 84,749,000 | 85,927,000 | 86,702,000 |
| Total capital | 84,029,000 | 85,283,000 | 86,460,000 | 87,230,000 |
| Risk-weighted assets | 226,894,000 | 220,837,000 | 229,243,000 | 231,197,000 |