Call reports 2003
CITIZENS STATE BANK OF FINLEY, THE — 2003
What CITIZENS STATE BANK OF FINLEY, THE 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 | 35,113,000 | 39,627,000 | 39,890,000 | 40,464,000 |
| Total loans | 23,470,000 | 26,922,000 | 28,071,000 | 27,236,000 |
| Allowance for loan losses | 227,000 | 227,000 | 227,000 | 228,000 |
| Securities available for sale | 4,323,000 | 5,094,000 | 4,628,000 | 4,496,000 |
| Securities held to maturity | 4,191,000 | 4,345,000 | 3,348,000 | 3,443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,153,000 | 30,266,000 | 31,007,000 | 33,017,000 |
| Interest-bearing deposits | 26,146,000 | 26,664,000 | 26,424,000 | 26,437,000 |
| Noninterest-bearing deposits | 4,007,000 | 3,602,000 | 4,583,000 | 6,580,000 |
| Equity capital | 3,456,000 | 3,579,000 | 3,647,000 | 3,709,000 |
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 | 484,000 | 1,033,000 | 1,584,000 | 2,104,000 |
| Interest expense | 166,000 | 326,000 | 480,000 | 619,000 |
| Net interest income | 318,000 | 707,000 | 1,104,000 | 1,485,000 |
| Noninterest income | 87,000 | 187,000 | 297,000 | 458,000 |
| Noninterest expense | 367,000 | 747,000 | 1,149,000 | 1,666,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 38,000 | 147,000 | 308,000 | 333,000 |
| Income tax | 0 | 5,000 | 17,000 | 38,000 |
| Net income | 38,000 | 142,000 | 291,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,140,000 | 3,222,000 | 3,393,000 | 3,406,000 |
| Total capital | 3,367,000 | 3,449,000 | 3,620,000 | 3,634,000 |
| Risk-weighted assets | 27,226,000 | 30,926,000 | 32,219,000 | 31,947,000 |
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