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 | 27,599,000 | 27,642,000 | 27,238,000 | 25,856,000 |
| Total loans | 19,303,000 | 19,542,000 | 19,526,000 | 19,421,000 |
| Allowance for loan losses | 404,000 | 411,000 | 342,000 | 387,000 |
| Securities available for sale | 444,000 | 2,424,000 | 2,421,000 | 2,017,000 |
| Securities held to maturity | 601,000 | 601,000 | 560,000 | 545,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,335,000 | 24,412,000 | 24,000,000 | 22,804,000 |
| Interest-bearing deposits | 21,167,000 | 21,261,000 | 20,861,000 | 19,915,000 |
| Noninterest-bearing deposits | 3,168,000 | 3,151,000 | 3,139,000 | 2,889,000 |
| Equity capital | 1,975,000 | 1,940,000 | 1,943,000 | 2,024,000 |
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 | 371,000 | 747,000 | 1,098,000 | 1,456,000 |
| Interest expense | 127,000 | 254,000 | 370,000 | 480,000 |
| Net interest income | 244,000 | 493,000 | 728,000 | 976,000 |
| Noninterest income | 40,000 | 77,000 | 124,000 | 161,000 |
| Noninterest expense | 269,000 | 536,000 | 794,000 | 978,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 45,000 |
| Pretax income | 15,000 | -1,000 | 23,000 | 114,000 |
| Income tax | 5,000 | 5,000 | 24,000 | 31,000 |
| Net income | 10,000 | -6,000 | -1,000 | 83,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,958,000 | 1,942,000 | 1,948,000 | 2,031,000 |
| Total capital | 2,175,000 | 2,161,000 | 2,169,000 | 2,248,000 |
| Risk-weighted assets | 17,183,000 | 17,342,000 | 17,589,000 | 17,228,000 |