Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS STATE BANK 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 | 172,104,000 | 174,182,000 | 176,017,000 | 179,159,000 |
| Total loans | 76,442,000 | 77,876,000 | 80,169,000 | 82,958,000 |
| Allowance for loan losses | 760,000 | 839,000 | 825,000 | 781,000 |
| Securities available for sale | 69,064,000 | 69,935,000 | 66,890,000 | 67,823,000 |
| Securities held to maturity | 897,000 | 897,000 | 646,000 | 646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,733,000 | 157,732,000 | 159,779,000 | 163,211,000 |
| Interest-bearing deposits | 133,981,000 | 134,497,000 | 134,230,000 | 138,329,000 |
| Noninterest-bearing deposits | 21,752,000 | 23,235,000 | 25,549,000 | 24,882,000 |
| Equity capital | 15,602,000 | 15,708,000 | 15,393,000 | 15,394,000 |
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 | 2,181,000 | 4,234,000 | 6,174,000 | 8,256,000 |
| Interest expense | 656,000 | 1,265,000 | 1,800,000 | 2,315,000 |
| Net interest income | 1,525,000 | 2,969,000 | 4,374,000 | 5,941,000 |
| Noninterest income | 400,000 | 805,000 | 1,197,000 | 1,641,000 |
| Noninterest expense | 1,408,000 | 2,766,000 | 4,245,000 | 5,710,000 |
| Provision for loan losses | 30,000 | 175,000 | 205,000 | 235,000 |
| Pretax income | 487,000 | 833,000 | 1,121,000 | 1,637,000 |
| Income tax | 147,000 | 245,000 | 321,000 | 476,000 |
| Net income | 340,000 | 588,000 | 800,000 | 1,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,762,000 | 15,010,000 | 15,222,000 | 15,288,000 |
| Total capital | 15,522,000 | 15,849,000 | 16,047,000 | 16,069,000 |
| Risk-weighted assets | 93,426,000 | 95,460,000 | 98,255,000 | 100,957,000 |