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 | 81,072,000 | 86,657,000 | 82,957,000 | 87,764,000 |
| Total loans | 52,174,000 | 55,997,000 | 58,989,000 | 54,277,000 |
| Allowance for loan losses | 1,326,000 | 1,370,000 | 1,312,000 | 1,239,000 |
| Securities available for sale | 10,600,000 | 12,584,000 | 14,930,000 | 14,446,000 |
| Securities held to maturity | 503,000 | 503,000 | 503,000 | 454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,865,000 | 76,161,000 | 68,951,000 | 76,814,000 |
| Interest-bearing deposits | 59,402,000 | 62,863,000 | 57,602,000 | 64,097,000 |
| Noninterest-bearing deposits | 11,463,000 | 13,298,000 | 11,349,000 | 12,717,000 |
| Equity capital | 9,846,000 | 10,132,000 | 10,369,000 | 10,681,000 |
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 | 1,186,000 | 2,391,000 | 3,674,000 | 4,930,000 |
| Interest expense | 267,000 | 503,000 | 720,000 | 924,000 |
| Net interest income | 919,000 | 1,888,000 | 2,954,000 | 4,006,000 |
| Noninterest income | 98,000 | 227,000 | 327,000 | 455,000 |
| Noninterest expense | 642,000 | 1,303,000 | 1,970,000 | 2,647,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 375,000 | 812,000 | 1,311,000 | 1,814,000 |
| Income tax | 118,000 | 265,000 | 438,000 | 611,000 |
| Net income | 257,000 | 547,000 | 873,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,767,000 | 10,057,000 | 10,382,000 | 10,713,000 |
| Total capital | 10,529,000 | 10,880,000 | 11,230,000 | 11,526,000 |
| Risk-weighted assets | 60,418,000 | 65,307,000 | 67,338,000 | 64,636,000 |