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 | 23,948,000 | 23,145,000 | 23,460,000 | 22,196,000 |
| Total loans | 18,555,000 | 18,900,000 | 19,033,000 | 18,583,000 |
| Allowance for loan losses | 363,000 | 360,000 | 361,000 | 361,000 |
| Securities available for sale | 2,514,000 | 1,019,000 | 520,000 | 819,000 |
| Securities held to maturity | 545,000 | 545,000 | 394,000 | 384,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,341,000 | 20,439,000 | 20,614,000 | 19,360,000 |
| Interest-bearing deposits | 18,283,000 | 17,265,000 | 17,025,000 | 16,378,000 |
| Noninterest-bearing deposits | 3,058,000 | 3,174,000 | 3,589,000 | 2,982,000 |
| Equity capital | 2,072,000 | 2,169,000 | 2,302,000 | 2,300,000 |
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 | 358,000 | 716,000 | 1,085,000 | 1,461,000 |
| Interest expense | 98,000 | 192,000 | 289,000 | 395,000 |
| Net interest income | 260,000 | 524,000 | 796,000 | 1,066,000 |
| Noninterest income | 45,000 | 98,000 | 160,000 | 203,000 |
| Noninterest expense | 260,000 | 487,000 | 687,000 | 992,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 135,000 | 269,000 | 277,000 |
| Income tax | 0 | 0 | 0 | 9,000 |
| Net income | 45,000 | 135,000 | 269,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,076,000 | 2,164,000 | 2,301,000 | 2,300,000 |
| Total capital | 2,282,000 | 2,373,000 | 2,513,000 | 2,497,000 |
| Risk-weighted assets | 16,301,000 | 16,607,000 | 16,779,000 | 15,599,000 |