Call reports 2002
CITIZENS STATE BANK OF LOYAL — 2002
What CITIZENS STATE BANK OF LOYAL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 86,447,000 | 90,048,000 | 92,225,000 | 96,129,000 |
| Total loans | 55,623,000 | 59,251,000 | 61,617,000 | 64,983,000 |
| Allowance for loan losses | 609,000 | 629,000 | 574,000 | 679,000 |
| Securities available for sale | 21,565,000 | 21,824,000 | 21,338,000 | 21,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,981,000 | 65,210,000 | 66,363,000 | 68,052,000 |
| Interest-bearing deposits | 55,285,000 | 58,502,000 | 59,806,000 | 60,753,000 |
| Noninterest-bearing deposits | 5,696,000 | 6,708,000 | 6,557,000 | 7,299,000 |
| Equity capital | 8,840,000 | 9,099,000 | 9,454,000 | 9,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,375,000 | 2,756,000 | 4,172,000 | 5,584,000 |
| Interest expense | 534,000 | 1,090,000 | 1,670,000 | 2,237,000 |
| Net interest income | 841,000 | 1,666,000 | 2,502,000 | 3,347,000 |
| Noninterest income | 172,000 | 260,000 | 349,000 | 476,000 |
| Noninterest expense | 546,000 | 1,116,000 | 1,745,000 | 2,259,000 |
| Provision for loan losses | 15,000 | 40,000 | 0 | 105,000 |
| Pretax income | 452,000 | 770,000 | 1,106,000 | 1,500,000 |
| Income tax | 135,000 | 206,000 | 299,000 | 401,000 |
| Net income | 317,000 | 564,000 | 807,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,520,000 | 8,566,000 | 8,809,000 | 8,901,000 |
| Total capital | 9,129,000 | 9,195,000 | 9,383,000 | 9,580,000 |
| Risk-weighted assets | 59,832,000 | 61,938,000 | 63,808,000 | 67,149,000 |
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