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 | 8,703,000 | 9,758,000 | 9,812,000 | 9,520,000 |
| Total loans | 6,527,000 | 7,511,000 | 7,573,000 | 6,756,000 |
| Allowance for loan losses | 71,000 | 72,000 | 73,000 | 74,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,600,000 | 1,600,000 | 1,600,000 | 1,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,646,000 | 7,714,000 | 7,514,000 | 7,856,000 |
| Interest-bearing deposits | 6,879,000 | 6,982,000 | 6,810,000 | 6,955,000 |
| Noninterest-bearing deposits | 767,000 | 732,000 | 704,000 | 901,000 |
| Equity capital | 660,000 | 686,000 | 687,000 | 669,000 |
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 | 143,000 | 300,000 | 477,000 | 639,000 |
| Interest expense | 42,000 | 91,000 | 153,000 | 216,000 |
| Net interest income | 101,000 | 209,000 | 324,000 | 423,000 |
| Noninterest income | 17,000 | 37,000 | 57,000 | 74,000 |
| Noninterest expense | 98,000 | 188,000 | 313,000 | 417,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,000 | 58,000 | 68,000 | 80,000 |
| Income tax | 0 | 12,000 | 0 | 31,000 |
| Net income | 20,000 | 46,000 | 68,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 660,000 | 686,000 | 687,000 | 669,000 |
| Total capital | 720,000 | 758,000 | 760,000 | 743,000 |
| Risk-weighted assets | 4,875,000 | 5,802,000 | 5,877,000 | 5,153,000 |