Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS 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 | 45,384,000 | 43,701,000 | 43,708,000 | 44,633,000 |
| Total loans | 17,282,000 | 17,355,000 | 17,087,000 | 16,648,000 |
| Allowance for loan losses | 264,000 | 315,000 | 381,000 | 327,000 |
| Securities available for sale | 17,350,000 | 17,718,000 | 17,583,000 | 18,794,000 |
| Securities held to maturity | 4,861,000 | 4,299,000 | 4,056,000 | 3,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,779,000 | 32,634,000 | 32,196,000 | 33,299,000 |
| Interest-bearing deposits | 30,424,000 | 28,449,000 | 27,856,000 | 28,860,000 |
| Noninterest-bearing deposits | 4,355,000 | 4,185,000 | 4,340,000 | 4,439,000 |
| Equity capital | 7,370,000 | 7,909,000 | 8,289,000 | 8,118,000 |
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 | 698,000 | 1,427,000 | 2,145,000 | 2,798,000 |
| Interest expense | 294,000 | 553,000 | 790,000 | 1,018,000 |
| Net interest income | 404,000 | 874,000 | 1,355,000 | 1,780,000 |
| Noninterest income | 69,000 | 138,000 | 208,000 | 285,000 |
| Noninterest expense | 214,000 | 425,000 | 653,000 | 947,000 |
| Provision for loan losses | 214,000 | 296,000 | 357,000 | 373,000 |
| Pretax income | 48,000 | 300,000 | 565,000 | 757,000 |
| Income tax | 17,000 | 65,000 | 123,000 | 186,000 |
| Net income | 31,000 | 235,000 | 442,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,604,000 | 7,812,000 | 8,019,000 | 7,832,000 |
| Total capital | 7,868,000 | 8,088,000 | 8,293,000 | 8,101,000 |
| Risk-weighted assets | 22,814,000 | 22,054,000 | 21,800,000 | 21,478,000 |