Call reports 2003
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2003
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 40,498,000 | 38,631,000 | 39,411,000 | 40,689,000 |
| Total loans | 24,403,000 | 24,722,000 | 25,393,000 | 25,954,000 |
| Allowance for loan losses | 304,000 | 387,000 | 350,000 | 317,000 |
| Securities available for sale | 1,861,000 | 2,265,000 | 2,688,000 | 2,445,000 |
| Securities held to maturity | 2,841,000 | 2,629,000 | 3,108,000 | 3,704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,234,000 | 33,235,000 | 33,799,000 | 34,987,000 |
| Interest-bearing deposits | 30,209,000 | 28,035,000 | 28,800,000 | 29,926,000 |
| Noninterest-bearing deposits | 5,025,000 | 5,200,000 | 4,999,000 | 5,061,000 |
| Equity capital | 5,081,000 | 5,152,000 | 5,322,000 | 5,529,000 |
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 | 651,000 | 1,305,000 | 1,967,000 | 2,623,000 |
| Interest expense | 183,000 | 378,000 | 552,000 | 716,000 |
| Net interest income | 468,000 | 927,000 | 1,415,000 | 1,907,000 |
| Noninterest income | 71,000 | 144,000 | 224,000 | 299,000 |
| Noninterest expense | 279,000 | 573,000 | 865,000 | 1,178,000 |
| Provision for loan losses | 40,000 | 70,000 | 85,000 | 125,000 |
| Pretax income | 220,000 | 428,000 | 689,000 | 903,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 220,000 | 428,000 | 689,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,013,000 | 5,081,000 | 5,271,000 | 5,486,000 |
| Total capital | 5,317,000 | 5,405,000 | 5,605,000 | 5,803,000 |
| Risk-weighted assets | 25,992,000 | 25,887,000 | 26,701,000 | 27,389,000 |
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