Call reports 2002
CITIZENS STATE BANK, THE — 2002
What CITIZENS STATE BANK, THE 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 | 199,735,000 | 200,080,000 | 201,398,000 | 207,300,000 |
| Total loans | 146,145,000 | 153,510,000 | 154,132,000 | 159,532,000 |
| Allowance for loan losses | 2,093,000 | 2,190,000 | 2,193,000 | 2,333,000 |
| Securities available for sale | 36,253,000 | 34,232,000 | 35,332,000 | 30,529,000 |
| Securities held to maturity | 3,011,000 | 2,866,000 | 2,441,000 | 1,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,935,000 | 149,121,000 | 151,670,000 | 154,131,000 |
| Interest-bearing deposits | 140,692,000 | 139,090,000 | 140,563,000 | 141,050,000 |
| Noninterest-bearing deposits | 10,243,000 | 10,031,000 | 11,107,000 | 13,081,000 |
| Equity capital | 17,099,000 | 17,919,000 | 18,452,000 | 18,446,000 |
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 | 3,172,000 | 6,200,000 | 9,226,000 | 12,134,000 |
| Interest expense | 1,526,000 | 2,955,000 | 4,352,000 | 5,759,000 |
| Net interest income | 1,646,000 | 3,245,000 | 4,874,000 | 6,375,000 |
| Noninterest income | 51,000 | 266,000 | 438,000 | 586,000 |
| Noninterest expense | 718,000 | 1,368,000 | 2,070,000 | 2,856,000 |
| Provision for loan losses | 40,000 | 135,000 | 135,000 | 427,000 |
| Pretax income | 939,000 | 2,008,000 | 3,107,000 | 3,678,000 |
| Income tax | 43,000 | 86,000 | 129,000 | 148,000 |
| Net income | 896,000 | 1,922,000 | 2,978,000 | 3,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,205,000 | 15,548,000 | 15,958,000 | 15,992,000 |
| Total capital | 17,050,000 | 17,461,000 | 17,881,000 | 17,977,000 |
| Risk-weighted assets | 147,378,000 | 152,742,000 | 153,535,000 | 158,433,000 |