Call reports 2003
CITIZENS STATE BANK AND TRUST COMPANY — 2003
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 63,815,000 | 64,105,000 | 62,216,000 | 65,667,000 |
| Total loans | 32,921,000 | 31,640,000 | 31,680,000 | 29,742,000 |
| Allowance for loan losses | 532,000 | 454,000 | 459,000 | 443,000 |
| Securities available for sale | 21,543,000 | 22,928,000 | 23,369,000 | 25,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,856,000 | 54,855,000 | 53,387,000 | 56,899,000 |
| Interest-bearing deposits | 46,506,000 | 46,632,000 | 45,778,000 | 44,887,000 |
| Noninterest-bearing deposits | 8,350,000 | 8,223,000 | 7,609,000 | 12,011,000 |
| Equity capital | 8,431,000 | 8,528,000 | 8,426,000 | 8,406,000 |
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 | 818,000 | 1,602,000 | 2,365,000 | 3,108,000 |
| Interest expense | 247,000 | 482,000 | 696,000 | 893,000 |
| Net interest income | 571,000 | 1,120,000 | 1,669,000 | 2,215,000 |
| Noninterest income | 112,000 | 222,000 | 370,000 | 521,000 |
| Noninterest expense | 532,000 | 982,000 | 1,462,000 | 1,925,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 151,000 | 360,000 | 577,000 | 811,000 |
| Income tax | -9,000 | -8,000 | -9,000 | -14,000 |
| Net income | 160,000 | 368,000 | 586,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,884,000 | 7,964,000 | 8,064,000 | 8,169,000 |
| Total capital | 8,353,000 | 8,418,000 | 8,523,000 | 8,612,000 |
| Risk-weighted assets | 37,463,000 | 37,541,000 | 37,695,000 | 37,701,000 |