Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS STATE BANK 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 | 66,032,000 | 68,313,000 | 68,352,000 | 65,117,000 |
| Total loans | 50,840,000 | 52,561,000 | 50,187,000 | 53,490,000 |
| Allowance for loan losses | 520,000 | 524,000 | 524,000 | 514,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,839,000 | 1,842,000 | 1,846,000 | 1,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,265,000 | 58,532,000 | 58,475,000 | 53,400,000 |
| Interest-bearing deposits | 39,554,000 | 41,030,000 | 40,236,000 | 37,530,000 |
| Noninterest-bearing deposits | 16,711,000 | 17,501,000 | 18,238,000 | 15,870,000 |
| Equity capital | 7,500,000 | 7,478,000 | 7,538,000 | 7,501,000 |
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 | 860,000 | 1,707,000 | 2,527,000 | 3,324,000 |
| Interest expense | 284,000 | 554,000 | 805,000 | 1,028,000 |
| Net interest income | 576,000 | 1,153,000 | 1,722,000 | 2,296,000 |
| Noninterest income | 185,000 | 348,000 | 529,000 | 688,000 |
| Noninterest expense | 569,000 | 1,157,000 | 1,758,000 | 2,374,000 |
| Provision for loan losses | 14,000 | 27,000 | 35,000 | 35,000 |
| Pretax income | 178,000 | 317,000 | 458,000 | 575,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 178,000 | 317,000 | 458,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,500,000 | 7,478,000 | 7,538,000 | 7,501,000 |
| Total capital | 8,020,000 | 8,002,000 | 8,062,000 | 8,015,000 |
| Risk-weighted assets | 53,164,000 | 55,449,000 | 53,350,000 | 55,306,000 |