Call reports 2002
CITIZENS STATE BANK AND TRUST COMPANY — 2002
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 63,349,000 | 61,599,000 | 61,572,000 | 62,550,000 |
| Total loans | 33,338,000 | 32,888,000 | 34,186,000 | 34,806,000 |
| Allowance for loan losses | 534,000 | 548,000 | 546,000 | 525,000 |
| Securities available for sale | 21,180,000 | 23,444,000 | 23,282,000 | 23,091,000 |
| Securities held to maturity | 37,000 | 37,000 | 37,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,897,000 | 52,932,000 | 52,490,000 | 53,200,000 |
| Interest-bearing deposits | 46,747,000 | 44,490,000 | 46,078,000 | 44,554,000 |
| Noninterest-bearing deposits | 8,150,000 | 8,442,000 | 6,412,000 | 8,646,000 |
| Equity capital | 7,521,000 | 7,894,000 | 8,267,000 | 8,469,000 |
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 | 876,000 | 1,775,000 | 2,673,000 | 3,577,000 |
| Interest expense | 363,000 | 696,000 | 1,010,000 | 1,285,000 |
| Net interest income | 513,000 | 1,079,000 | 1,663,000 | 2,292,000 |
| Noninterest income | 133,000 | 255,000 | 436,000 | 568,000 |
| Noninterest expense | 526,000 | 1,009,000 | 1,460,000 | 1,948,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 325,000 | 639,000 | 912,000 |
| Income tax | 0 | 0 | 3,000 | 3,000 |
| Net income | 120,000 | 325,000 | 636,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,362,000 | 7,464,000 | 7,676,000 | 7,849,000 |
| Total capital | 7,836,000 | 7,924,000 | 8,153,000 | 8,331,000 |
| Risk-weighted assets | 37,895,000 | 36,702,000 | 38,113,000 | 38,487,000 |