Call reports 2002
CITIZENS BANK OF ELDON — 2002
What CITIZENS BANK OF ELDON 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 | 79,184,000 | 79,956,000 | 80,759,000 | 90,073,000 |
| Total loans | 41,326,000 | 41,630,000 | 42,262,000 | 43,320,000 |
| Allowance for loan losses | 518,000 | 501,000 | 485,000 | 493,000 |
| Securities available for sale | 29,860,000 | 29,944,000 | 30,217,000 | 30,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,572,000 | 67,756,000 | 68,186,000 | 77,547,000 |
| Interest-bearing deposits | 58,044,000 | 57,553,000 | 57,164,000 | 65,854,000 |
| Noninterest-bearing deposits | 9,528,000 | 10,203,000 | 11,022,000 | 11,693,000 |
| Equity capital | 10,783,000 | 11,273,000 | 11,555,000 | 11,611,000 |
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 | 1,149,000 | 2,275,000 | 3,407,000 | 4,513,000 |
| Interest expense | 371,000 | 701,000 | 1,011,000 | 1,297,000 |
| Net interest income | 778,000 | 1,574,000 | 2,396,000 | 3,216,000 |
| Noninterest income | 120,000 | 230,000 | 361,000 | 515,000 |
| Noninterest expense | 592,000 | 1,170,000 | 1,764,000 | 2,461,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 306,000 | 634,000 | 993,000 | 1,270,000 |
| Income tax | 75,000 | 170,000 | 273,000 | 346,000 |
| Net income | 231,000 | 464,000 | 720,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,711,000 | 10,916,000 | 11,142,000 | 11,231,000 |
| Total capital | 11,229,000 | 11,417,000 | 11,627,000 | 11,724,000 |
| Risk-weighted assets | 42,915,000 | 43,172,000 | 43,459,000 | 46,197,000 |
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