Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS STATE BANK 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 | 57,374,000 | 57,270,000 | 56,499,000 | 58,183,000 |
| Total loans | 14,160,000 | 14,498,000 | 15,508,000 | 16,527,000 |
| Allowance for loan losses | 208,000 | 199,000 | 191,000 | 187,000 |
| Securities available for sale | 33,352,000 | 33,889,000 | 33,588,000 | 34,012,000 |
| Securities held to maturity | 3,481,000 | 3,255,000 | 2,895,000 | 2,895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,217,000 | 47,950,000 | 47,542,000 | 48,344,000 |
| Interest-bearing deposits | 43,432,000 | 43,774,000 | 43,446,000 | 44,129,000 |
| Noninterest-bearing deposits | 4,785,000 | 4,176,000 | 4,096,000 | 4,215,000 |
| Equity capital | 8,578,000 | 8,683,000 | 8,467,000 | 8,108,000 |
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 | 757,000 | 1,489,000 | 2,187,000 | 2,917,000 |
| Interest expense | 201,000 | 389,000 | 557,000 | 721,000 |
| Net interest income | 556,000 | 1,100,000 | 1,630,000 | 2,196,000 |
| Noninterest income | 95,000 | 170,000 | 261,000 | 361,000 |
| Noninterest expense | 460,000 | 881,000 | 1,299,000 | 1,748,000 |
| Provision for loan losses | 1,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 191,000 | 394,000 | 597,000 | 814,000 |
| Income tax | 48,000 | 101,000 | 154,000 | 209,000 |
| Net income | 143,000 | 293,000 | 443,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,056,000 | 8,206,000 | 8,356,000 | 7,930,000 |
| Total capital | 8,264,000 | 8,405,000 | 8,547,000 | 8,117,000 |
| Risk-weighted assets | 17,927,000 | 18,159,000 | 18,373,000 | 18,952,000 |
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