Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS 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 | 44,339,000 | 45,224,000 | 44,765,000 | 45,180,000 |
| Total loans | 17,017,000 | 17,254,000 | 17,676,000 | 17,577,000 |
| Allowance for loan losses | 348,000 | 334,000 | 333,000 | 300,000 |
| Securities available for sale | 14,536,000 | 15,866,000 | 15,721,000 | 16,239,000 |
| Securities held to maturity | 5,926,000 | 5,540,000 | 5,403,000 | 5,491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,647,000 | 34,430,000 | 33,788,000 | 34,440,000 |
| Interest-bearing deposits | 29,279,000 | 30,069,000 | 29,917,000 | 29,989,000 |
| Noninterest-bearing deposits | 4,368,000 | 4,361,000 | 3,871,000 | 4,451,000 |
| Equity capital | 7,309,000 | 7,475,000 | 7,700,000 | 7,495,000 |
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 | 805,000 | 1,604,000 | 2,405,000 | 3,182,000 |
| Interest expense | 422,000 | 837,000 | 1,228,000 | 1,581,000 |
| Net interest income | 383,000 | 767,000 | 1,177,000 | 1,601,000 |
| Noninterest income | 75,000 | 144,000 | 214,000 | 294,000 |
| Noninterest expense | 195,000 | 399,000 | 606,000 | 911,000 |
| Provision for loan losses | 5,000 | 8,000 | 32,000 | 97,000 |
| Pretax income | 262,000 | 508,000 | 767,000 | 902,000 |
| Income tax | 64,000 | 127,000 | 191,000 | 197,000 |
| Net income | 198,000 | 381,000 | 576,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,257,000 | 7,440,000 | 7,635,000 | 7,573,000 |
| Total capital | 7,547,000 | 7,727,000 | 7,926,000 | 7,862,000 |
| Risk-weighted assets | 22,812,000 | 22,932,000 | 23,214,000 | 23,093,000 |
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