Call reports 2002
CITIZENS FIRST STATE BANK OF WALNUT — 2002
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 44,411,000 | 45,507,000 | 49,341,000 | 50,338,000 |
| Total loans | 29,495,000 | 31,411,000 | 35,686,000 | 37,253,000 |
| Allowance for loan losses | 352,000 | 345,000 | 395,000 | 458,000 |
| Securities available for sale | 10,952,000 | 10,770,000 | 10,134,000 | 9,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,478,000 | 41,032,000 | 40,652,000 | 40,667,000 |
| Interest-bearing deposits | 35,328,000 | 35,644,000 | 35,275,000 | 34,798,000 |
| Noninterest-bearing deposits | 5,150,000 | 5,388,000 | 5,377,000 | 5,869,000 |
| Equity capital | 3,679,000 | 3,793,000 | 3,841,000 | 3,909,000 |
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 | 703,000 | 1,407,000 | 2,131,000 | 2,891,000 |
| Interest expense | 276,000 | 543,000 | 819,000 | 1,092,000 |
| Net interest income | 427,000 | 864,000 | 1,312,000 | 1,799,000 |
| Noninterest income | 33,000 | 65,000 | 102,000 | 145,000 |
| Noninterest expense | 336,000 | 677,000 | 1,019,000 | 1,410,000 |
| Provision for loan losses | 0 | 0 | 56,000 | 146,000 |
| Pretax income | 125,000 | 253,000 | 416,000 | 497,000 |
| Income tax | 37,000 | 71,000 | 138,000 | 114,000 |
| Net income | 88,000 | 182,000 | 278,000 | 383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,038,000 | 3,003,000 | 3,139,000 | 3,193,000 |
| Total capital | 3,390,000 | 3,348,000 | 3,534,000 | 3,616,000 |
| Risk-weighted assets | 28,751,000 | 29,612,000 | 32,152,000 | 33,574,000 |