Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE BANK 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 | 60,748,000 | 63,161,000 | 64,025,000 | 63,197,000 |
| Total loans | 40,125,000 | 42,546,000 | 44,121,000 | 44,228,000 |
| Allowance for loan losses | 432,000 | 463,000 | 445,000 | 449,000 |
| Securities available for sale | 101,000 | 0 | 0 | 0 |
| Securities held to maturity | 4,741,000 | 2,737,000 | 2,227,000 | 1,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,064,000 | 56,433,000 | 57,181,000 | 55,868,000 |
| Interest-bearing deposits | 41,897,000 | 43,175,000 | 43,407,000 | 41,349,000 |
| Noninterest-bearing deposits | 12,167,000 | 13,258,000 | 13,774,000 | 14,519,000 |
| Equity capital | 6,455,000 | 6,434,000 | 6,487,000 | 7,045,000 |
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 | 1,122,000 | 2,213,000 | 3,259,000 | 4,225,000 |
| Interest expense | 573,000 | 1,134,000 | 1,663,000 | 2,116,000 |
| Net interest income | 549,000 | 1,079,000 | 1,596,000 | 2,109,000 |
| Noninterest income | 140,000 | 287,000 | 432,000 | 582,000 |
| Noninterest expense | 563,000 | 1,123,000 | 1,674,000 | 2,192,000 |
| Provision for loan losses | 5,000 | 36,000 | 36,000 | 40,000 |
| Pretax income | 121,000 | 207,000 | 318,000 | 459,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 30,000 |
| Net income | 114,000 | 192,000 | 295,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,455,000 | 6,434,000 | 6,487,000 | 7,045,000 |
| Total capital | 6,887,000 | 6,897,000 | 6,932,000 | 7,494,000 |
| Risk-weighted assets | 42,299,000 | 45,206,000 | 47,867,000 | 47,551,000 |