Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS STATE BANK 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 | 55,762,000 | 56,553,000 | 56,384,000 | 57,179,000 |
| Total loans | 12,008,000 | 12,581,000 | 13,012,000 | 13,635,000 |
| Allowance for loan losses | 218,000 | 223,000 | 216,000 | 215,000 |
| Securities available for sale | 35,171,000 | 35,577,000 | 34,033,000 | 33,649,000 |
| Securities held to maturity | 4,410,000 | 4,196,000 | 4,144,000 | 4,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,436,000 | 47,504,000 | 46,766,000 | 47,525,000 |
| Interest-bearing deposits | 42,548,000 | 42,642,000 | 42,190,000 | 42,590,000 |
| Noninterest-bearing deposits | 4,888,000 | 4,862,000 | 4,576,000 | 4,935,000 |
| Equity capital | 8,139,000 | 8,626,000 | 9,022,000 | 8,461,000 |
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 | 842,000 | 1,677,000 | 2,491,000 | 3,275,000 |
| Interest expense | 244,000 | 466,000 | 679,000 | 888,000 |
| Net interest income | 598,000 | 1,211,000 | 1,812,000 | 2,387,000 |
| Noninterest income | 64,000 | 131,000 | 188,000 | 248,000 |
| Noninterest expense | 383,000 | 782,000 | 1,235,000 | 1,711,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 279,000 | 560,000 | 792,000 | 969,000 |
| Income tax | 40,000 | 159,000 | 222,000 | 266,000 |
| Net income | 239,000 | 401,000 | 570,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,092,000 | 8,254,000 | 8,422,000 | 7,913,000 |
| Total capital | 8,297,000 | 8,453,000 | 8,629,000 | 8,128,000 |
| Risk-weighted assets | 16,372,000 | 15,898,000 | 16,748,000 | 17,689,000 |
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