Call reports 2003
CITIZENS FIRST STATE BANK — 2003
What CITIZENS FIRST 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 | 94,784,000 | 98,539,000 | 95,604,000 | 98,754,000 |
| Total loans | 74,179,000 | 77,401,000 | 77,868,000 | 74,984,000 |
| Allowance for loan losses | 1,086,000 | 1,064,000 | 1,072,000 | 1,025,000 |
| Securities available for sale | 10,254,000 | 10,063,000 | 9,192,000 | 8,738,000 |
| Securities held to maturity | 131,000 | 126,000 | 114,000 | 108,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,482,000 | 85,593,000 | 78,769,000 | 85,677,000 |
| Interest-bearing deposits | 71,349,000 | 76,044,000 | 68,166,000 | 75,922,000 |
| Noninterest-bearing deposits | 10,133,000 | 9,549,000 | 10,603,000 | 9,755,000 |
| Equity capital | 8,328,000 | 8,192,000 | 8,035,000 | 7,946,000 |
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 | 1,395,000 | 2,788,000 | 4,181,000 | 5,490,000 |
| Interest expense | 338,000 | 661,000 | 945,000 | 1,212,000 |
| Net interest income | 1,057,000 | 2,127,000 | 3,236,000 | 4,278,000 |
| Noninterest income | 227,000 | 438,000 | 606,000 | 786,000 |
| Noninterest expense | 780,000 | 1,633,000 | 2,476,000 | 3,398,000 |
| Provision for loan losses | 27,000 | 48,000 | 96,000 | 146,000 |
| Pretax income | 477,000 | 884,000 | 1,266,000 | 1,516,000 |
| Income tax | 194,000 | 348,000 | 502,000 | 604,000 |
| Net income | 283,000 | 536,000 | 764,000 | 912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,187,000 | 8,068,000 | 7,957,000 | 7,871,000 |
| Total capital | 9,175,000 | 9,002,000 | 8,894,000 | 8,785,000 |
| Risk-weighted assets | 78,914,000 | 74,556,000 | 74,850,000 | 73,013,000 |
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