Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS STATE BANK 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 | 28,406,000 | 27,304,000 | 28,285,000 | 27,566,000 |
| Total loans | 14,732,000 | 18,725,000 | 20,304,000 | 16,819,000 |
| Allowance for loan losses | 211,000 | 189,000 | 177,000 | 176,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,892,000 | 6,114,000 | 6,081,000 | 5,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,265,000 | 25,066,000 | 24,354,000 | 25,403,000 |
| Interest-bearing deposits | 23,528,000 | 22,046,000 | 21,401,000 | 22,788,000 |
| Noninterest-bearing deposits | 2,737,000 | 3,020,000 | 2,953,000 | 2,615,000 |
| Equity capital | 1,952,000 | 2,019,000 | 2,097,000 | 1,939,000 |
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 | 378,000 | 787,000 | 1,235,000 | 1,653,000 |
| Interest expense | 193,000 | 368,000 | 541,000 | 712,000 |
| Net interest income | 185,000 | 419,000 | 694,000 | 941,000 |
| Noninterest income | 45,000 | 82,000 | 121,000 | 168,000 |
| Noninterest expense | 166,000 | 341,000 | 517,000 | 791,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 64,000 | 160,000 | 298,000 | 268,000 |
| Income tax | 23,000 | 53,000 | 114,000 | 91,000 |
| Net income | 41,000 | 107,000 | 184,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,952,000 | 2,019,000 | 2,097,000 | 1,939,000 |
| Total capital | 2,159,000 | 2,208,000 | 2,274,000 | 2,115,000 |
| Risk-weighted assets | 16,572,000 | 18,246,000 | 19,148,000 | 17,054,000 |
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