Call reports 2003
CITIZENS STATE BANK, THE — 2003
What CITIZENS STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 70,984,000 | 73,903,000 | 73,278,000 | 74,061,000 |
| Total loans | 43,788,000 | 45,247,000 | 42,663,000 | 44,455,000 |
| Allowance for loan losses | 373,000 | 376,000 | 375,000 | 391,000 |
| Securities available for sale | 19,062,000 | 18,288,000 | 18,817,000 | 20,922,000 |
| Securities held to maturity | 1,375,000 | 983,000 | 930,000 | 926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,841,000 | 54,575,000 | 54,129,000 | 54,964,000 |
| Interest-bearing deposits | 44,803,000 | 47,546,000 | 46,456,000 | 47,528,000 |
| Noninterest-bearing deposits | 7,038,000 | 7,029,000 | 7,673,000 | 7,436,000 |
| Equity capital | 5,072,000 | 5,228,000 | 5,209,000 | 5,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,042,000 | 2,091,000 | 3,082,000 | 4,036,000 |
| Interest expense | 402,000 | 794,000 | 1,160,000 | 1,502,000 |
| Net interest income | 640,000 | 1,297,000 | 1,922,000 | 2,534,000 |
| Noninterest income | 81,000 | 170,000 | 250,000 | 333,000 |
| Noninterest expense | 534,000 | 1,127,000 | 1,616,000 | 2,244,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 35,000 |
| Pretax income | 177,000 | 330,000 | 546,000 | 588,000 |
| Income tax | 49,000 | 103,000 | 171,000 | 182,000 |
| Net income | 128,000 | 227,000 | 375,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,584,000 | 4,677,000 | 4,819,000 | 4,844,000 |
| Total capital | 4,957,000 | 5,053,000 | 5,194,000 | 5,235,000 |
| Risk-weighted assets | 42,722,000 | 44,127,000 | 43,005,000 | 44,224,000 |
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