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 | 36,742,000 | 37,631,000 | 44,449,000 | 45,441,000 |
| Total loans | 25,378,000 | 26,406,000 | 26,656,000 | 22,986,000 |
| Allowance for loan losses | 385,000 | 375,000 | 389,000 | 359,000 |
| Securities available for sale | 3,052,000 | 3,765,000 | 3,849,000 | 3,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,238,000 | 34,198,000 | 40,824,000 | 41,877,000 |
| Interest-bearing deposits | 23,586,000 | 23,358,000 | 31,193,000 | 31,574,000 |
| Noninterest-bearing deposits | 9,652,000 | 10,840,000 | 9,631,000 | 10,303,000 |
| Equity capital | 3,312,000 | 3,304,000 | 3,479,000 | 3,456,000 |
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 | 493,000 | 973,000 | 1,518,000 | 2,058,000 |
| Interest expense | 99,000 | 199,000 | 311,000 | 467,000 |
| Net interest income | 394,000 | 774,000 | 1,207,000 | 1,591,000 |
| Noninterest income | 64,000 | 122,000 | 187,000 | 250,000 |
| Noninterest expense | 320,000 | 637,000 | 968,000 | 1,344,000 |
| Provision for loan losses | 0 | 0 | 14,000 | 26,000 |
| Pretax income | 138,000 | 259,000 | 412,000 | 471,000 |
| Income tax | 46,000 | 85,000 | 137,000 | 141,000 |
| Net income | 92,000 | 174,000 | 275,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,312,000 | 3,394,000 | 3,495,000 | 3,480,000 |
| Total capital | 3,658,000 | 3,755,000 | 3,873,000 | 3,832,000 |
| Risk-weighted assets | 27,648,000 | 28,866,000 | 30,192,000 | 28,126,000 |