Call reports 2003
CITIZENS FIRST STATE BANK OF WALNUT — 2003
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 52,778,000 | 52,884,000 | 52,369,000 | 54,281,000 |
| Total loans | 41,305,000 | 42,176,000 | 40,990,000 | 43,410,000 |
| Allowance for loan losses | 446,000 | 465,000 | 465,000 | 455,000 |
| Securities available for sale | 7,498,000 | 6,438,000 | 7,182,000 | 6,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,226,000 | 43,344,000 | 43,423,000 | 44,997,000 |
| Interest-bearing deposits | 36,216,000 | 37,140,000 | 37,898,000 | 38,050,000 |
| Noninterest-bearing deposits | 6,010,000 | 6,204,000 | 5,525,000 | 6,947,000 |
| Equity capital | 3,994,000 | 4,131,000 | 4,504,000 | 4,487,000 |
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 | 719,000 | 1,462,000 | 2,248,000 | 2,994,000 |
| Interest expense | 245,000 | 491,000 | 749,000 | 994,000 |
| Net interest income | 474,000 | 971,000 | 1,499,000 | 2,000,000 |
| Noninterest income | 37,000 | 80,000 | 127,000 | 171,000 |
| Noninterest expense | 390,000 | 798,000 | 1,214,000 | 1,528,000 |
| Provision for loan losses | 24,000 | 50,000 | 99,000 | 165,000 |
| Pretax income | 108,000 | 212,000 | 322,000 | 476,000 |
| Income tax | 0 | 0 | 0 | 140,000 |
| Net income | 108,000 | 212,000 | 322,000 | 336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,342,000 | 3,440,000 | 3,858,000 | 3,863,000 |
| Total capital | 3,786,000 | 3,887,000 | 4,308,000 | 4,318,000 |
| Risk-weighted assets | 35,518,000 | 35,695,000 | 36,031,000 | 37,256,000 |