Call reports 2003
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2003
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 40,926,000 | 41,097,000 | 41,677,000 | 43,687,000 |
| Total loans | 23,407,000 | 24,918,000 | 26,658,000 | 26,818,000 |
| Allowance for loan losses | 286,000 | 272,000 | 271,000 | 258,000 |
| Securities available for sale | 6,718,000 | 7,686,000 | 7,608,000 | 9,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,922,000 | 35,851,000 | 36,197,000 | 38,206,000 |
| Interest-bearing deposits | 27,230,000 | 25,251,000 | 25,829,000 | 27,496,000 |
| Noninterest-bearing deposits | 8,692,000 | 10,600,000 | 10,368,000 | 10,710,000 |
| Equity capital | 3,659,000 | 3,743,000 | 3,834,000 | 3,934,000 |
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 | 600,000 | 1,182,000 | 1,771,000 | 2,333,000 |
| Interest expense | 132,000 | 255,000 | 352,000 | 442,000 |
| Net interest income | 468,000 | 927,000 | 1,419,000 | 1,891,000 |
| Noninterest income | 105,000 | 216,000 | 320,000 | 433,000 |
| Noninterest expense | 367,000 | 742,000 | 1,130,000 | 1,612,000 |
| Provision for loan losses | 9,000 | 0 | 0 | 0 |
| Pretax income | 197,000 | 401,000 | 609,000 | 713,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 196,000 | 398,000 | 605,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,523,000 | 3,569,000 | 3,726,000 | 3,829,000 |
| Total capital | 3,809,000 | 3,841,000 | 3,997,000 | 4,087,000 |
| Risk-weighted assets | 26,077,000 | 28,043,000 | 29,303,000 | 29,704,000 |
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