Call reports 2005
CITIZENS 1ST BANK — 2005
What CITIZENS 1ST 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 | 619,736,000 | 618,507,000 | 609,475,000 | 603,653,000 |
| Total loans | 194,004,000 | 206,169,000 | 218,450,000 | 229,528,000 |
| Allowance for loan losses | 530,000 | 533,000 | 533,000 | 535,000 |
| Securities available for sale | 397,338,000 | 390,375,000 | 363,304,000 | 344,418,000 |
| Securities held to maturity | 469,000 | 469,000 | 469,000 | 469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,624,000 | 288,211,000 | 275,804,000 | 281,218,000 |
| Interest-bearing deposits | 264,203,000 | 256,380,000 | 251,181,000 | 255,597,000 |
| Noninterest-bearing deposits | 23,421,000 | 31,831,000 | 24,623,000 | 25,621,000 |
| Equity capital | 86,446,000 | 91,204,000 | 91,215,000 | 87,869,000 |
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 | 8,810,000 | 17,580,000 | 26,370,000 | 35,014,000 |
| Interest expense | 4,429,000 | 9,066,000 | 13,738,000 | 18,559,000 |
| Net interest income | 4,381,000 | 8,514,000 | 12,632,000 | 16,455,000 |
| Noninterest income | 173,000 | 335,000 | 468,000 | 655,000 |
| Noninterest expense | 1,255,000 | 2,609,000 | 3,909,000 | 5,770,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,299,000 | 6,240,000 | 9,217,000 | 11,366,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,299,000 | 6,240,000 | 9,217,000 | 11,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,596,000 | 88,153,000 | 88,929,000 | 90,028,000 |
| Total capital | 88,126,000 | 88,686,000 | 89,462,000 | 90,563,000 |
| Risk-weighted assets | 234,037,000 | 238,252,000 | 216,012,000 | 255,305,000 |