Call reports 2001
CITIZENS STATE BANK AND TRUST COMPANY — 2001
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 56,448,000 | 55,121,000 | 57,847,000 | 61,263,000 |
| Total loans | 34,484,000 | 35,865,000 | 36,215,000 | 33,535,000 |
| Allowance for loan losses | 571,000 | 576,000 | 574,000 | 558,000 |
| Securities available for sale | 15,763,000 | 15,660,000 | 15,368,000 | 16,563,000 |
| Securities held to maturity | 85,000 | 83,000 | 86,000 | 37,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,793,000 | 46,445,000 | 49,068,000 | 52,782,000 |
| Interest-bearing deposits | 41,101,000 | 39,115,000 | 42,733,000 | 43,381,000 |
| Noninterest-bearing deposits | 6,692,000 | 7,330,000 | 6,335,000 | 9,402,000 |
| Equity capital | 7,450,000 | 7,412,000 | 7,720,000 | 7,669,000 |
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 | 1,109,000 | 2,153,000 | 3,167,000 | 4,141,000 |
| Interest expense | 465,000 | 924,000 | 1,380,000 | 1,780,000 |
| Net interest income | 644,000 | 1,229,000 | 1,787,000 | 2,361,000 |
| Noninterest income | 213,000 | 328,000 | 453,000 | 540,000 |
| Noninterest expense | 564,000 | 1,042,000 | 1,527,000 | 1,954,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 293,000 | 515,000 | 713,000 | 947,000 |
| Income tax | 42,000 | 170,000 | 248,000 | 248,000 |
| Net income | 251,000 | 345,000 | 465,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,293,000 | 7,240,000 | 7,351,000 | 7,341,000 |
| Total capital | 7,765,000 | 7,720,000 | 7,845,000 | 7,816,000 |
| Risk-weighted assets | 37,700,000 | 38,293,000 | 39,452,000 | 37,881,000 |