Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS STATE BANK 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 | 29,432,000 | 28,660,000 | 28,991,000 | 30,404,000 |
| Total loans | 14,167,000 | 17,627,000 | 16,997,000 | 14,289,000 |
| Allowance for loan losses | 158,000 | 165,000 | 166,000 | 139,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,041,000 | 4,514,000 | 4,012,000 | 4,517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,263,000 | 26,493,000 | 26,829,000 | 28,299,000 |
| Interest-bearing deposits | 23,796,000 | 23,559,000 | 23,365,000 | 23,501,000 |
| Noninterest-bearing deposits | 3,467,000 | 2,934,000 | 3,464,000 | 4,798,000 |
| Equity capital | 1,971,000 | 1,989,000 | 2,027,000 | 1,963,000 |
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 | 329,000 | 680,000 | 1,049,000 | 1,394,000 |
| Interest expense | 146,000 | 289,000 | 420,000 | 547,000 |
| Net interest income | 183,000 | 391,000 | 629,000 | 847,000 |
| Noninterest income | 37,000 | 77,000 | 118,000 | 172,000 |
| Noninterest expense | 188,000 | 386,000 | 577,000 | 883,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 32,000 | 32,000 | 120,000 | 86,000 |
| Income tax | 0 | -18,000 | 32,000 | 62,000 |
| Net income | 32,000 | 50,000 | 88,000 | 24,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,971,000 | 1,989,000 | 2,027,000 | 1,963,000 |
| Total capital | 2,129,000 | 2,154,000 | 2,193,000 | 2,102,000 |
| Risk-weighted assets | 17,278,000 | 19,166,000 | 18,583,000 | 18,585,000 |