Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS 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 | 46,161,000 | 46,281,000 | 46,483,000 | 47,454,000 |
| Total loans | 15,858,000 | 15,383,000 | 15,045,000 | 14,514,000 |
| Allowance for loan losses | 399,000 | 450,000 | 467,000 | 360,000 |
| Securities available for sale | 20,910,000 | 21,878,000 | 24,455,000 | 24,837,000 |
| Securities held to maturity | 3,468,000 | 3,273,000 | 2,781,000 | 2,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,651,000 | 34,273,000 | 34,782,000 | 35,879,000 |
| Interest-bearing deposits | 29,394,000 | 30,044,000 | 30,716,000 | 31,367,000 |
| Noninterest-bearing deposits | 5,257,000 | 4,229,000 | 4,066,000 | 4,512,000 |
| Equity capital | 8,260,000 | 8,629,000 | 8,495,000 | 8,388,000 |
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 | 707,000 | 1,365,000 | 2,016,000 | 2,662,000 |
| Interest expense | 211,000 | 422,000 | 620,000 | 811,000 |
| Net interest income | 496,000 | 943,000 | 1,396,000 | 1,851,000 |
| Noninterest income | 65,000 | 126,000 | 186,000 | 251,000 |
| Noninterest expense | 224,000 | 440,000 | 672,000 | 982,000 |
| Provision for loan losses | 60,000 | 195,000 | 209,000 | 249,000 |
| Pretax income | 291,000 | 453,000 | 722,000 | 897,000 |
| Income tax | 77,000 | 124,000 | 183,000 | 207,000 |
| Net income | 214,000 | 329,000 | 539,000 | 690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,047,000 | 8,162,000 | 8,369,000 | 8,201,000 |
| Total capital | 8,316,000 | 8,427,000 | 8,650,000 | 8,478,000 |
| Risk-weighted assets | 21,404,000 | 21,009,000 | 22,324,000 | 22,127,000 |
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