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 | 60,539,000 | 61,044,000 | 58,214,000 | 58,410,000 |
| Total loans | 41,846,000 | 43,866,000 | 43,746,000 | 44,049,000 |
| Allowance for loan losses | 520,000 | 553,000 | 521,000 | 750,000 |
| Securities available for sale | 11,168,000 | 13,150,000 | 9,231,000 | 9,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,648,000 | 48,992,000 | 47,665,000 | 47,238,000 |
| Interest-bearing deposits | 44,606,000 | 43,407,000 | 42,485,000 | 39,459,000 |
| Noninterest-bearing deposits | 5,042,000 | 5,585,000 | 5,180,000 | 7,779,000 |
| Equity capital | 4,985,000 | 4,569,000 | 4,810,000 | 4,746,000 |
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 | 988,000 | 1,976,000 | 2,975,000 | 3,919,000 |
| Interest expense | 303,000 | 597,000 | 904,000 | 1,221,000 |
| Net interest income | 685,000 | 1,379,000 | 2,071,000 | 2,698,000 |
| Noninterest income | 97,000 | 213,000 | 272,000 | 303,000 |
| Noninterest expense | 579,000 | 1,150,000 | 1,656,000 | 2,245,000 |
| Provision for loan losses | 70,000 | 180,000 | 405,000 | 1,861,000 |
| Pretax income | 134,000 | 263,000 | 289,000 | -1,081,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 134,000 | 263,000 | 289,000 | -1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,900,000 | 4,893,000 | 4,913,000 | 4,842,000 |
| Total capital | 5,420,000 | 5,446,000 | 5,434,000 | 5,392,000 |
| Risk-weighted assets | 43,025,000 | 44,343,000 | 43,799,000 | 43,820,000 |