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 | 45,361,000 | 46,178,000 | 49,370,000 | 48,012,000 |
| Total loans | 27,492,000 | 30,559,000 | 32,101,000 | 31,887,000 |
| Allowance for loan losses | 368,000 | 418,000 | 463,000 | 523,000 |
| Securities available for sale | 3,720,000 | 4,716,000 | 5,177,000 | 3,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,650,000 | 42,355,000 | 45,313,000 | 43,790,000 |
| Interest-bearing deposits | 31,367,000 | 31,283,000 | 33,159,000 | 35,074,000 |
| Noninterest-bearing deposits | 10,283,000 | 11,072,000 | 12,154,000 | 8,716,000 |
| Equity capital | 3,526,000 | 3,634,000 | 3,817,000 | 4,054,000 |
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 | 639,000 | 1,306,000 | 2,146,000 | 2,920,000 |
| Interest expense | 163,000 | 326,000 | 519,000 | 739,000 |
| Net interest income | 476,000 | 980,000 | 1,627,000 | 2,181,000 |
| Noninterest income | 56,000 | 103,000 | 169,000 | 235,000 |
| Noninterest expense | 367,000 | 736,000 | 1,124,000 | 1,553,000 |
| Provision for loan losses | 10,000 | 60,000 | 105,000 | 165,000 |
| Pretax income | 155,000 | 287,000 | 567,000 | 677,000 |
| Income tax | 51,000 | 92,000 | 187,000 | 207,000 |
| Net income | 104,000 | 195,000 | 380,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,584,000 | 3,675,000 | 3,860,000 | 4,124,000 |
| Total capital | 3,952,000 | 4,093,000 | 4,299,000 | 4,550,000 |
| Risk-weighted assets | 31,941,000 | 33,550,000 | 35,086,000 | 34,006,000 |