Call reports 2002
CITIZENS STATE BANK OF FINLEY, THE — 2002
What CITIZENS STATE BANK OF FINLEY, THE 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 | 29,721,000 | 32,969,000 | 35,595,000 | 34,247,000 |
| Total loans | 17,911,000 | 21,875,000 | 24,278,000 | 22,645,000 |
| Allowance for loan losses | 260,000 | 258,000 | 238,000 | 230,000 |
| Securities available for sale | 3,439,000 | 3,620,000 | 3,585,000 | 3,699,000 |
| Securities held to maturity | 4,612,000 | 4,525,000 | 4,408,000 | 4,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,280,000 | 26,337,000 | 25,238,000 | 27,690,000 |
| Interest-bearing deposits | 22,100,000 | 23,088,000 | 22,017,000 | 23,976,000 |
| Noninterest-bearing deposits | 3,180,000 | 3,249,000 | 3,221,000 | 3,714,000 |
| Equity capital | 3,231,000 | 3,370,000 | 3,525,000 | 3,555,000 |
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 | 447,000 | 942,000 | 1,488,000 | 2,027,000 |
| Interest expense | 193,000 | 381,000 | 572,000 | 755,000 |
| Net interest income | 254,000 | 561,000 | 916,000 | 1,272,000 |
| Noninterest income | 32,000 | 114,000 | 197,000 | 364,000 |
| Noninterest expense | 255,000 | 553,000 | 864,000 | 1,324,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 31,000 | 122,000 | 248,000 | 317,000 |
| Income tax | 2,000 | 2,000 | 17,000 | 44,000 |
| Net income | 29,000 | 120,000 | 231,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,205,000 | 3,300,000 | 3,410,000 | 3,227,000 |
| Total capital | 3,465,000 | 3,558,000 | 3,648,000 | 3,457,000 |
| Risk-weighted assets | 21,927,000 | 25,658,000 | 28,379,000 | 26,549,000 |
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