Call reports 2004
CITIZENS STATE BANK, THE — 2004
What CITIZENS STATE BANK, THE 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 | 14,277,000 | 13,846,000 | 13,064,000 | 13,047,000 |
| Total loans | 10,912,000 | 9,997,000 | 9,587,000 | 8,710,000 |
| Allowance for loan losses | 158,000 | 162,000 | 166,000 | 193,000 |
| Securities available for sale | 1,009,000 | 1,491,000 | 1,497,000 | 1,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,769,000 | 12,332,000 | 11,108,000 | 11,644,000 |
| Interest-bearing deposits | 10,662,000 | 10,671,000 | 9,225,000 | 9,535,000 |
| Noninterest-bearing deposits | 2,107,000 | 1,661,000 | 1,883,000 | 2,109,000 |
| Equity capital | 1,277,000 | 1,279,000 | 1,279,000 | 1,278,000 |
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 | 223,000 | 425,000 | 618,000 | 805,000 |
| Interest expense | 66,000 | 125,000 | 184,000 | 238,000 |
| Net interest income | 157,000 | 300,000 | 434,000 | 567,000 |
| Noninterest income | 13,000 | 28,000 | 41,000 | 57,000 |
| Noninterest expense | 167,000 | 312,000 | 464,000 | 610,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,000 | 16,000 | 11,000 | 14,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | 16,000 | 11,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,243,000 | 1,250,000 | 1,247,000 | 1,248,000 |
| Total capital | 1,374,000 | 1,373,000 | 1,362,000 | 1,353,000 |
| Risk-weighted assets | 10,453,000 | 9,836,000 | 9,217,000 | 8,385,000 |