Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS STATE BANK 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 | 66,228,000 | 66,735,000 | 65,383,000 | 64,902,000 |
| Total loans | 46,248,000 | 47,487,000 | 51,211,000 | 51,363,000 |
| Allowance for loan losses | 450,000 | 465,000 | 497,000 | 507,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,255,000 | 3,746,000 | 2,485,000 | 2,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,759,000 | 59,237,000 | 57,847,000 | 55,344,000 |
| Interest-bearing deposits | 43,576,000 | 43,152,000 | 41,950,000 | 40,356,000 |
| Noninterest-bearing deposits | 15,183,000 | 16,085,000 | 15,896,000 | 14,988,000 |
| Equity capital | 7,138,000 | 7,152,000 | 7,212,000 | 7,321,000 |
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 | 878,000 | 1,767,000 | 2,650,000 | 3,527,000 |
| Interest expense | 391,000 | 753,000 | 1,096,000 | 1,406,000 |
| Net interest income | 487,000 | 1,014,000 | 1,554,000 | 2,121,000 |
| Noninterest income | 147,000 | 338,000 | 525,000 | 779,000 |
| Noninterest expense | 533,000 | 1,098,000 | 1,693,000 | 2,283,000 |
| Provision for loan losses | 0 | 33,000 | 47,000 | 60,000 |
| Pretax income | 101,000 | 221,000 | 339,000 | 557,000 |
| Income tax | 8,000 | 15,000 | 23,000 | 30,000 |
| Net income | 93,000 | 206,000 | 316,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,138,000 | 7,152,000 | 7,212,000 | 7,321,000 |
| Total capital | 7,588,000 | 7,617,000 | 7,709,000 | 7,828,000 |
| Risk-weighted assets | 50,140,000 | 51,274,000 | 53,185,000 | 52,994,000 |