Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 52,621,000 | 51,895,000 | 53,946,000 | 55,336,000 |
| Total loans | 10,923,000 | 10,616,000 | 11,283,000 | 11,757,000 |
| Allowance for loan losses | 250,000 | 247,000 | 246,000 | 232,000 |
| Securities available for sale | 30,169,000 | 29,780,000 | 32,778,000 | 35,143,000 |
| Securities held to maturity | 5,834,000 | 5,236,000 | 4,636,000 | 4,505,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,303,000 | 43,476,000 | 45,178,000 | 46,694,000 |
| Interest-bearing deposits | 39,522,000 | 39,231,000 | 40,545,000 | 42,007,000 |
| Noninterest-bearing deposits | 4,781,000 | 4,245,000 | 4,633,000 | 4,687,000 |
| Equity capital | 8,096,000 | 8,201,000 | 8,534,000 | 7,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 890,000 | 1,735,000 | 2,614,000 | 3,484,000 |
| Interest expense | 438,000 | 838,000 | 1,213,000 | 1,523,000 |
| Net interest income | 452,000 | 897,000 | 1,401,000 | 1,961,000 |
| Noninterest income | 55,000 | 147,000 | 201,000 | 262,000 |
| Noninterest expense | 345,000 | 717,000 | 1,081,000 | 1,468,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 162,000 | 327,000 | 558,000 | 803,000 |
| Income tax | 0 | 0 | 90,000 | 200,000 |
| Net income | 162,000 | 327,000 | 468,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,962,000 | 8,127,000 | 8,269,000 | 7,852,000 |
| Total capital | 8,142,000 | 8,306,000 | 8,460,000 | 8,051,000 |
| Risk-weighted assets | 14,343,000 | 14,184,000 | 15,297,000 | 15,945,000 |
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