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 | 129,845,000 | 145,716,000 | 147,071,000 | 154,650,000 |
| Total loans | 62,500,000 | 63,992,000 | 65,953,000 | 66,510,000 |
| Allowance for loan losses | 980,000 | 1,043,000 | 1,032,000 | 1,146,000 |
| Securities available for sale | 44,121,000 | 64,742,000 | 63,344,000 | 63,190,000 |
| Securities held to maturity | 1,622,000 | 1,534,000 | 1,726,000 | 1,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,706,000 | 131,954,000 | 132,483,000 | 140,773,000 |
| Interest-bearing deposits | 100,796,000 | 115,701,000 | 116,310,000 | 122,675,000 |
| Noninterest-bearing deposits | 15,910,000 | 16,253,000 | 16,173,000 | 18,098,000 |
| Equity capital | 12,497,000 | 13,082,000 | 13,745,000 | 13,512,000 |
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 | 2,386,000 | 4,824,000 | 7,351,000 | 9,749,000 |
| Interest expense | 1,111,000 | 2,245,000 | 3,340,000 | 4,299,000 |
| Net interest income | 1,275,000 | 2,579,000 | 4,011,000 | 5,450,000 |
| Noninterest income | 288,000 | 666,000 | 963,000 | 1,284,000 |
| Noninterest expense | 1,038,000 | 2,021,000 | 3,131,000 | 4,299,000 |
| Provision for loan losses | 15,000 | 85,000 | 100,000 | 215,000 |
| Pretax income | 510,000 | 1,139,000 | 1,743,000 | 2,220,000 |
| Income tax | 164,000 | 351,000 | 547,000 | 692,000 |
| Net income | 346,000 | 788,000 | 1,196,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,048,000 | 12,480,000 | 12,888,000 | 12,955,000 |
| Total capital | 12,954,000 | 13,437,000 | 13,867,000 | 13,947,000 |
| Risk-weighted assets | 72,367,000 | 76,450,000 | 78,276,000 | 79,185,000 |