Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 28,230,000 | 26,820,000 | 27,251,000 | 28,646,000 |
| Total loans | 12,347,000 | 15,893,000 | 17,159,000 | 15,207,000 |
| Allowance for loan losses | 229,000 | 228,000 | 211,000 | 222,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,560,000 | 8,065,000 | 3,074,000 | 5,627,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,888,000 | 24,403,000 | 24,858,000 | 26,508,000 |
| Interest-bearing deposits | 22,643,000 | 21,763,000 | 22,301,000 | 23,306,000 |
| Noninterest-bearing deposits | 3,245,000 | 2,640,000 | 2,557,000 | 3,202,000 |
| Equity capital | 2,068,000 | 2,140,000 | 2,174,000 | 1,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 584,000 | 1,061,000 | 1,549,000 | 2,010,000 |
| Interest expense | 301,000 | 567,000 | 807,000 | 1,027,000 |
| Net interest income | 283,000 | 494,000 | 742,000 | 983,000 |
| Noninterest income | 43,000 | 80,000 | 114,000 | 159,000 |
| Noninterest expense | 152,000 | 320,000 | 483,000 | 744,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 174,000 | 254,000 | 373,000 | 398,000 |
| Income tax | 1,000 | 9,000 | 41,000 | 135,000 |
| Net income | 173,000 | 245,000 | 332,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,068,000 | 2,140,000 | 2,174,000 | 1,912,000 |
| Total capital | 2,257,000 | 2,331,000 | 2,385,000 | 2,108,000 |
| Risk-weighted assets | 14,995,000 | 15,265,000 | 18,554,000 | 15,703,000 |