Call reports 2003
CITIZENS STATE BANK OF CROPSEY — 2003
What CITIZENS STATE BANK OF CROPSEY 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 | 19,914,000 | 20,734,000 | 20,998,000 | 22,053,000 |
| Total loans | 13,845,000 | 16,488,000 | 16,805,000 | 18,545,000 |
| Allowance for loan losses | 143,000 | 155,000 | 164,000 | 151,000 |
| Securities available for sale | 2,635,000 | 2,358,000 | 2,042,000 | 1,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,449,000 | 18,221,000 | 18,570,000 | 19,669,000 |
| Interest-bearing deposits | 16,005,000 | 16,754,000 | 17,481,000 | 18,078,000 |
| Noninterest-bearing deposits | 1,444,000 | 1,467,000 | 1,089,000 | 1,591,000 |
| Equity capital | 1,809,000 | 1,877,000 | 1,894,000 | 1,883,000 |
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 | 271,000 | 552,000 | 846,000 | 1,161,000 |
| Interest expense | 109,000 | 213,000 | 312,000 | 417,000 |
| Net interest income | 162,000 | 339,000 | 534,000 | 744,000 |
| Noninterest income | 24,000 | 47,000 | 65,000 | 82,000 |
| Noninterest expense | 160,000 | 310,000 | 467,000 | 633,000 |
| Provision for loan losses | 6,000 | 17,000 | 41,000 | 57,000 |
| Pretax income | 20,000 | 75,000 | 105,000 | 150,000 |
| Income tax | 0 | 0 | 0 | 40,000 |
| Net income | 20,000 | 75,000 | 105,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,785,000 | 1,872,000 | 1,902,000 | 1,884,000 |
| Total capital | 1,928,000 | 2,027,000 | 2,066,000 | 2,035,000 |
| Risk-weighted assets | 14,448,000 | 16,890,000 | 17,318,000 | 19,239,000 |