Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS STATE BANK 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 | 71,153,000 | 69,582,000 | 76,106,000 | 74,843,000 |
| Total loans | 40,313,000 | 40,569,000 | 40,257,000 | 38,923,000 |
| Allowance for loan losses | 556,000 | 565,000 | 573,000 | 575,000 |
| Securities available for sale | 20,112,000 | 19,532,000 | 21,500,000 | 25,917,000 |
| Securities held to maturity | 1,427,000 | 1,422,000 | 967,000 | 964,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,920,000 | 60,264,000 | 66,930,000 | 64,881,000 |
| Interest-bearing deposits | 54,069,000 | 52,253,000 | 55,254,000 | 56,332,000 |
| Noninterest-bearing deposits | 8,851,000 | 8,011,000 | 11,676,000 | 8,549,000 |
| Equity capital | 5,281,000 | 5,379,000 | 5,325,000 | 5,535,000 |
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 | 1,112,000 | 2,235,000 | 3,318,000 | 4,388,000 |
| Interest expense | 338,000 | 658,000 | 977,000 | 1,295,000 |
| Net interest income | 774,000 | 1,577,000 | 2,341,000 | 3,093,000 |
| Noninterest income | 68,000 | 157,000 | 247,000 | 338,000 |
| Noninterest expense | 514,000 | 1,023,000 | 1,524,000 | 2,031,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 310,000 | 675,000 | 1,025,000 | 1,344,000 |
| Income tax | 99,000 | 231,000 | 357,000 | 465,000 |
| Net income | 211,000 | 444,000 | 668,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,245,000 | 5,299,000 | 5,273,000 | 5,484,000 |
| Total capital | 5,801,000 | 5,864,000 | 5,846,000 | 6,059,000 |
| Risk-weighted assets | 44,395,000 | 44,992,000 | 48,258,000 | 45,969,000 |