Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 64,273,000 | 67,537,000 | 71,933,000 | 69,888,000 |
| Total loans | 42,818,000 | 44,834,000 | 43,858,000 | 42,606,000 |
| Allowance for loan losses | 484,000 | 493,000 | 531,000 | 551,000 |
| Securities available for sale | 12,331,000 | 12,570,000 | 16,097,000 | 18,433,000 |
| Securities held to maturity | 1,566,000 | 1,542,000 | 1,485,000 | 1,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,278,000 | 60,801,000 | 64,002,000 | 62,214,000 |
| Interest-bearing deposits | 50,258,000 | 53,010,000 | 54,053,000 | 53,840,000 |
| Noninterest-bearing deposits | 8,020,000 | 7,791,000 | 9,949,000 | 8,374,000 |
| Equity capital | 5,068,000 | 4,988,000 | 5,268,000 | 5,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,237,000 | 2,513,000 | 3,818,000 | 4,999,000 |
| Interest expense | 555,000 | 1,072,000 | 1,570,000 | 1,977,000 |
| Net interest income | 682,000 | 1,441,000 | 2,248,000 | 3,022,000 |
| Noninterest income | 71,000 | 181,000 | 256,000 | 340,000 |
| Noninterest expense | 491,000 | 964,000 | 1,436,000 | 1,966,000 |
| Provision for loan losses | 14,000 | 45,000 | 86,000 | 107,000 |
| Pretax income | 252,000 | 619,000 | 988,000 | 1,361,000 |
| Income tax | 77,000 | 209,000 | 332,000 | 461,000 |
| Net income | 175,000 | 410,000 | 656,000 | 900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,009,000 | 4,945,000 | 5,141,000 | 5,335,000 |
| Total capital | 5,493,000 | 5,438,000 | 5,672,000 | 5,870,000 |
| Risk-weighted assets | 43,608,000 | 46,049,000 | 46,694,000 | 42,822,000 |