Call reports 2001
CITIZENS FIRST STATE BANK — 2001
What CITIZENS FIRST 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 | 98,772,000 | 97,227,000 | 93,429,000 | 97,922,000 |
| Total loans | 83,178,000 | 82,285,000 | 80,517,000 | 75,021,000 |
| Allowance for loan losses | 1,079,000 | 1,193,000 | 1,174,000 | 1,185,000 |
| Securities available for sale | 4,057,000 | 3,410,000 | 3,258,000 | 3,089,000 |
| Securities held to maturity | 466,000 | 458,000 | 396,000 | 388,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,340,000 | 83,647,000 | 81,054,000 | 84,620,000 |
| Interest-bearing deposits | 75,281,000 | 71,732,000 | 68,999,000 | 74,001,000 |
| Noninterest-bearing deposits | 10,059,000 | 11,915,000 | 12,055,000 | 10,619,000 |
| Equity capital | 9,660,000 | 9,625,000 | 8,274,000 | 8,306,000 |
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 | 2,100,000 | 4,151,000 | 6,043,000 | 7,805,000 |
| Interest expense | 848,000 | 1,604,000 | 2,225,000 | 2,748,000 |
| Net interest income | 1,252,000 | 2,547,000 | 3,818,000 | 5,057,000 |
| Noninterest income | 157,000 | 312,000 | 467,000 | 635,000 |
| Noninterest expense | 742,000 | 1,494,000 | 2,242,000 | 2,988,000 |
| Provision for loan losses | 52,000 | 224,000 | 329,000 | 444,000 |
| Pretax income | 615,000 | 1,141,000 | 1,714,000 | 2,260,000 |
| Income tax | 240,000 | 447,000 | 669,000 | 885,000 |
| Net income | 375,000 | 694,000 | 1,045,000 | 1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,593,000 | 9,561,000 | 8,207,000 | 8,256,000 |
| Total capital | 10,569,000 | 10,538,000 | 9,157,000 | 9,175,000 |
| Risk-weighted assets | 77,973,000 | 77,866,000 | 75,754,000 | 73,206,000 |
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