Call reports 2003
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2003
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 7,675,000 | 7,597,000 | 8,292,000 | 7,950,000 |
| Total loans | 3,437,000 | 3,249,000 | 3,561,000 | 3,460,000 |
| Allowance for loan losses | 32,000 | 32,000 | 33,000 | 33,000 |
| Securities available for sale | 1,542,000 | 1,068,000 | 949,000 | 1,040,000 |
| Securities held to maturity | 228,000 | 126,000 | 124,000 | 22,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,826,000 | 6,745,000 | 7,437,000 | 7,093,000 |
| Interest-bearing deposits | 6,008,000 | 5,812,000 | 6,385,000 | 5,994,000 |
| Noninterest-bearing deposits | 818,000 | 933,000 | 1,052,000 | 1,099,000 |
| Equity capital | 824,000 | 837,000 | 839,000 | 842,000 |
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 | 85,000 | 168,000 | 247,000 | 328,000 |
| Interest expense | 23,000 | 44,000 | 59,000 | 72,000 |
| Net interest income | 62,000 | 124,000 | 188,000 | 256,000 |
| Noninterest income | 12,000 | 26,000 | 39,000 | 52,000 |
| Noninterest expense | 77,000 | 138,000 | 208,000 | 279,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -3,000 | 12,000 | 19,000 | 29,000 |
| Income tax | -4,000 | 0 | 0 | 4,000 |
| Net income | 1,000 | 12,000 | 19,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 815,000 | 828,000 | 834,000 | 840,000 |
| Total capital | 847,000 | 860,000 | 867,000 | 873,000 |
| Risk-weighted assets | 4,235,000 | 4,058,000 | 4,405,000 | 4,235,000 |
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