Call reports 2005
CITIZENS STATE BANK, THE — 2005
What CITIZENS STATE BANK, THE 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 | 13,101,000 | 11,732,000 | 11,287,000 | 10,977,000 |
| Total loans | 9,023,000 | 8,000,000 | 7,378,000 | 6,607,000 |
| Allowance for loan losses | 193,000 | 192,000 | 194,000 | 203,000 |
| Securities available for sale | 1,976,000 | 1,982,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 1,948,000 | 2,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,790,000 | 10,413,000 | 10,113,000 | 9,846,000 |
| Interest-bearing deposits | 9,801,000 | 8,928,000 | 8,327,000 | 7,967,000 |
| Noninterest-bearing deposits | 1,989,000 | 1,485,000 | 1,786,000 | 1,879,000 |
| Equity capital | 1,265,000 | 1,273,000 | 1,139,000 | 1,107,000 |
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 | 169,000 | 337,000 | 500,000 | 669,000 |
| Interest expense | 56,000 | 104,000 | 151,000 | 199,000 |
| Net interest income | 113,000 | 233,000 | 349,000 | 470,000 |
| Noninterest income | 11,000 | 21,000 | 28,000 | 35,000 |
| Noninterest expense | 132,000 | 257,000 | 419,000 | 555,000 |
| Provision for loan losses | 0 | 0 | 106,000 | 130,000 |
| Pretax income | -8,000 | -3,000 | -148,000 | -180,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -8,000 | -3,000 | -148,000 | -180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,237,000 | 1,251,000 | 1,106,000 | 1,074,000 |
| Total capital | 1,348,000 | 1,347,000 | 1,195,000 | 1,158,000 |
| Risk-weighted assets | 8,817,000 | 7,761,000 | 7,030,000 | 6,646,000 |