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 | 77,800,000 | 77,950,000 | 75,995,000 | 84,326,000 |
| Total loans | 50,378,000 | 55,187,000 | 57,238,000 | 54,681,000 |
| Allowance for loan losses | 1,630,000 | 1,642,000 | 1,552,000 | 1,491,000 |
| Securities available for sale | 11,524,000 | 10,103,000 | 10,143,000 | 9,904,000 |
| Securities held to maturity | 511,000 | 509,000 | 509,000 | 508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,185,000 | 68,150,000 | 63,009,000 | 73,957,000 |
| Interest-bearing deposits | 57,154,000 | 57,861,000 | 52,428,000 | 62,534,000 |
| Noninterest-bearing deposits | 11,031,000 | 10,289,000 | 10,581,000 | 11,423,000 |
| Equity capital | 9,017,000 | 9,324,000 | 9,674,000 | 9,998,000 |
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 | 1,531,000 | 2,992,000 | 4,478,000 | 5,895,000 |
| Interest expense | 655,000 | 1,215,000 | 1,740,000 | 2,169,000 |
| Net interest income | 876,000 | 1,777,000 | 2,738,000 | 3,726,000 |
| Noninterest income | 93,000 | 221,000 | 354,000 | 494,000 |
| Noninterest expense | 570,000 | 1,131,000 | 1,806,000 | 2,423,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 399,000 | 867,000 | 1,286,000 | 1,797,000 |
| Income tax | 132,000 | 291,000 | 403,000 | 559,000 |
| Net income | 267,000 | 576,000 | 883,000 | 1,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,924,000 | 9,233,000 | 9,540,000 | 9,895,000 |
| Total capital | 9,643,000 | 10,014,000 | 10,344,000 | 10,696,000 |
| Risk-weighted assets | 56,641,000 | 61,636,000 | 63,592,000 | 63,394,000 |