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 | 160,025,000 | 156,426,000 | 159,378,000 | 166,548,000 |
| Total loans | 66,926,000 | 68,559,000 | 71,728,000 | 74,910,000 |
| Allowance for loan losses | 1,159,000 | 1,067,000 | 1,080,000 | 778,000 |
| Securities available for sale | 71,877,000 | 69,455,000 | 61,360,000 | 70,126,000 |
| Securities held to maturity | 980,000 | 980,000 | 1,020,000 | 1,019,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,568,000 | 141,192,000 | 143,254,000 | 151,008,000 |
| Interest-bearing deposits | 125,758,000 | 121,421,000 | 122,664,000 | 129,968,000 |
| Noninterest-bearing deposits | 19,810,000 | 19,771,000 | 20,590,000 | 21,040,000 |
| Equity capital | 13,746,000 | 14,712,000 | 15,318,000 | 15,115,000 |
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 | 2,362,000 | 4,745,000 | 7,021,000 | 9,143,000 |
| Interest expense | 847,000 | 1,605,000 | 2,323,000 | 2,999,000 |
| Net interest income | 1,515,000 | 3,140,000 | 4,698,000 | 6,144,000 |
| Noninterest income | 296,000 | 613,000 | 1,001,000 | 1,382,000 |
| Noninterest expense | 1,157,000 | 2,254,000 | 3,556,000 | 4,834,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 85,000 |
| Pretax income | 639,000 | 1,469,000 | 2,098,000 | 2,607,000 |
| Income tax | 220,000 | 498,000 | 699,000 | 830,000 |
| Net income | 419,000 | 971,000 | 1,399,000 | 1,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,374,000 | 13,926,000 | 14,354,000 | 14,422,000 |
| Total capital | 14,391,000 | 14,984,000 | 15,434,000 | 15,200,000 |
| Risk-weighted assets | 81,187,000 | 84,601,000 | 87,391,000 | 90,805,000 |