Call reports 2003
CITIZENS STATE BANK OF LOYAL — 2003
What CITIZENS STATE BANK OF LOYAL 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 | 95,164,000 | 94,349,000 | 97,127,000 | 96,194,000 |
| Total loans | 66,242,000 | 66,261,000 | 69,260,000 | 68,699,000 |
| Allowance for loan losses | 713,000 | 757,000 | 801,000 | 831,000 |
| Securities available for sale | 19,615,000 | 18,848,000 | 18,718,000 | 18,951,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,185,000 | 68,092,000 | 70,338,000 | 72,413,000 |
| Interest-bearing deposits | 60,604,000 | 60,725,000 | 62,694,000 | 64,104,000 |
| Noninterest-bearing deposits | 6,581,000 | 7,367,000 | 7,644,000 | 8,309,000 |
| Equity capital | 9,832,000 | 9,939,000 | 10,014,000 | 9,983,000 |
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 | 1,333,000 | 2,664,000 | 3,979,000 | 5,307,000 |
| Interest expense | 527,000 | 1,035,000 | 1,529,000 | 2,017,000 |
| Net interest income | 806,000 | 1,629,000 | 2,450,000 | 3,290,000 |
| Noninterest income | 178,000 | 301,000 | 409,000 | 568,000 |
| Noninterest expense | 592,000 | 1,135,000 | 1,729,000 | 2,355,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 449,000 | 807,000 | 1,097,000 | 1,440,000 |
| Income tax | 143,000 | 239,000 | 299,000 | 388,000 |
| Net income | 306,000 | 568,000 | 798,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,207,000 | 9,269,000 | 9,500,000 | 9,553,000 |
| Total capital | 9,920,000 | 10,026,000 | 10,301,000 | 10,384,000 |
| Risk-weighted assets | 67,827,000 | 67,733,000 | 71,331,000 | 70,369,000 |
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