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 | 56,702,000 | 58,197,000 | 59,198,000 | 60,899,000 |
| Total loans | 43,021,000 | 44,342,000 | 43,774,000 | 46,824,000 |
| Allowance for loan losses | 730,000 | 672,000 | 888,000 | 820,000 |
| Securities available for sale | 8,949,000 | 9,543,000 | 9,416,000 | 9,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,019,000 | 47,330,000 | 49,796,000 | 51,466,000 |
| Interest-bearing deposits | 38,577,000 | 38,307,000 | 44,704,000 | 41,791,000 |
| Noninterest-bearing deposits | 8,442,000 | 9,023,000 | 5,092,000 | 9,675,000 |
| Equity capital | 4,750,000 | 4,980,000 | 4,656,000 | 4,877,000 |
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 | 981,000 | 1,972,000 | 2,998,000 | 4,067,000 |
| Interest expense | 333,000 | 687,000 | 1,084,000 | 1,510,000 |
| Net interest income | 648,000 | 1,285,000 | 1,914,000 | 2,557,000 |
| Noninterest income | 99,000 | 268,000 | 289,000 | 396,000 |
| Noninterest expense | 533,000 | 1,104,000 | 1,755,000 | 2,354,000 |
| Provision for loan losses | 6,000 | 46,000 | 286,000 | 313,000 |
| Pretax income | 208,000 | 399,000 | 159,000 | 283,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 208,000 | 399,000 | 159,000 | 283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,035,000 | 5,149,000 | 4,922,000 | 5,241,000 |
| Total capital | 5,568,000 | 5,697,000 | 5,472,000 | 5,826,000 |
| Risk-weighted assets | 42,413,000 | 43,769,000 | 43,676,000 | 46,281,000 |
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