Call reports 2003
CITIZENS BANK OF ELDON — 2003
What CITIZENS BANK OF ELDON 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 | 82,862,000 | 83,569,000 | 83,510,000 | 90,940,000 |
| Total loans | 42,646,000 | 43,524,000 | 44,592,000 | 44,237,000 |
| Allowance for loan losses | 496,000 | 507,000 | 506,000 | 474,000 |
| Securities available for sale | 26,447,000 | 28,985,000 | 27,763,000 | 28,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,308,000 | 70,683,000 | 70,777,000 | 78,238,000 |
| Interest-bearing deposits | 59,564,000 | 59,299,000 | 59,118,000 | 66,394,000 |
| Noninterest-bearing deposits | 10,744,000 | 11,384,000 | 11,659,000 | 11,844,000 |
| Equity capital | 11,670,000 | 11,870,000 | 11,925,000 | 11,976,000 |
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 | 1,076,000 | 2,124,000 | 3,131,000 | 4,112,000 |
| Interest expense | 259,000 | 506,000 | 728,000 | 926,000 |
| Net interest income | 817,000 | 1,618,000 | 2,403,000 | 3,186,000 |
| Noninterest income | 122,000 | 247,000 | 376,000 | 528,000 |
| Noninterest expense | 652,000 | 1,250,000 | 1,851,000 | 2,578,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 287,000 | 615,000 | 928,000 | 1,136,000 |
| Income tax | 83,000 | 177,000 | 269,000 | 296,000 |
| Net income | 204,000 | 438,000 | 659,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,377,000 | 11,577,000 | 11,721,000 | 11,846,000 |
| Total capital | 11,873,000 | 12,084,000 | 12,227,000 | 12,320,000 |
| Risk-weighted assets | 44,462,000 | 46,386,000 | 46,999,000 | 48,118,000 |
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