Call reports 2002
CITIZENS FIRST STATE BANK — 2002
What CITIZENS FIRST 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 | 91,140,000 | 93,429,000 | 90,758,000 | 91,603,000 |
| Total loans | 73,384,000 | 76,754,000 | 74,427,000 | 72,707,000 |
| Allowance for loan losses | 1,187,000 | 1,171,000 | 1,133,000 | 1,100,000 |
| Securities available for sale | 8,352,000 | 7,280,000 | 7,088,000 | 9,336,000 |
| Securities held to maturity | 165,000 | 162,000 | 151,000 | 139,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,172,000 | 80,981,000 | 77,383,000 | 78,256,000 |
| Interest-bearing deposits | 66,748,000 | 71,300,000 | 67,748,000 | 67,392,000 |
| Noninterest-bearing deposits | 11,424,000 | 9,681,000 | 9,635,000 | 10,864,000 |
| Equity capital | 8,360,000 | 8,424,000 | 8,425,000 | 8,362,000 |
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 | 1,576,000 | 3,173,000 | 4,709,000 | 6,144,000 |
| Interest expense | 451,000 | 866,000 | 1,264,000 | 1,622,000 |
| Net interest income | 1,125,000 | 2,307,000 | 3,445,000 | 4,522,000 |
| Noninterest income | 184,000 | 343,000 | 533,000 | 709,000 |
| Noninterest expense | 662,000 | 1,459,000 | 2,278,000 | 3,186,000 |
| Provision for loan losses | 9,000 | 14,000 | 19,000 | 31,000 |
| Pretax income | 638,000 | 1,177,000 | 1,681,000 | 2,018,000 |
| Income tax | 249,000 | 460,000 | 665,000 | 810,000 |
| Net income | 389,000 | 717,000 | 1,016,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,334,000 | 8,316,000 | 8,274,000 | 8,195,000 |
| Total capital | 9,231,000 | 9,244,000 | 9,181,000 | 9,126,000 |
| Risk-weighted assets | 71,442,000 | 73,979,000 | 72,001,000 | 74,336,000 |