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 | 7,717,000 | 7,974,000 | 8,229,000 | 8,628,000 |
| Total loans | 5,519,000 | 5,875,000 | 6,143,000 | 6,167,000 |
| Allowance for loan losses | 77,000 | 77,000 | 78,000 | 70,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,250,000 | 1,250,000 | 1,050,000 | 1,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,733,000 | 6,988,000 | 7,217,000 | 7,596,000 |
| Interest-bearing deposits | 6,150,000 | 6,457,000 | 6,519,000 | 6,867,000 |
| Noninterest-bearing deposits | 583,000 | 531,000 | 698,000 | 729,000 |
| Equity capital | 599,000 | 599,000 | 624,000 | 640,000 |
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 | 131,000 | 268,000 | 410,000 | 554,000 |
| Interest expense | 39,000 | 79,000 | 121,000 | 166,000 |
| Net interest income | 92,000 | 189,000 | 289,000 | 388,000 |
| Noninterest income | 19,000 | 37,000 | 55,000 | 73,000 |
| Noninterest expense | 86,000 | 194,000 | 267,000 | 363,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 32,000 | 77,000 | 98,000 |
| Income tax | 8,000 | 0 | 20,000 | 25,000 |
| Net income | 17,000 | 32,000 | 57,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 599,000 | 599,000 | 624,000 | 640,000 |
| Total capital | 651,000 | 652,000 | 679,000 | 700,000 |
| Risk-weighted assets | 4,118,000 | 4,185,000 | 4,385,000 | 4,819,000 |