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 | 80,382,000 | 80,869,000 | 77,863,000 | 85,832,000 |
| Total loans | 49,965,000 | 53,472,000 | 57,850,000 | 56,017,000 |
| Allowance for loan losses | 1,490,000 | 1,334,000 | 1,375,000 | 1,373,000 |
| Securities available for sale | 14,422,000 | 12,813,000 | 10,640,000 | 9,449,000 |
| Securities held to maturity | 508,000 | 505,000 | 505,000 | 503,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,599,000 | 70,737,000 | 67,330,000 | 75,006,000 |
| Interest-bearing deposits | 60,133,000 | 60,394,000 | 56,845,000 | 62,221,000 |
| Noninterest-bearing deposits | 10,466,000 | 10,343,000 | 10,485,000 | 12,785,000 |
| Equity capital | 9,343,000 | 9,768,000 | 10,087,000 | 10,436,000 |
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 | 1,290,000 | 2,599,000 | 3,952,000 | 5,255,000 |
| Interest expense | 393,000 | 744,000 | 1,090,000 | 1,399,000 |
| Net interest income | 897,000 | 1,855,000 | 2,862,000 | 3,856,000 |
| Noninterest income | 102,000 | 213,000 | 323,000 | 478,000 |
| Noninterest expense | 593,000 | 1,189,000 | 1,821,000 | 2,455,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 406,000 | 879,000 | 1,364,000 | 1,879,000 |
| Income tax | 134,000 | 297,000 | 466,000 | 624,000 |
| Net income | 272,000 | 582,000 | 898,000 | 1,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,347,000 | 9,656,000 | 9,972,000 | 10,330,000 |
| Total capital | 10,083,000 | 10,433,000 | 10,792,000 | 11,150,000 |
| Risk-weighted assets | 58,116,000 | 61,626,000 | 65,021,000 | 65,077,000 |