Call reports 2003
CITIZENS STATE BANK, THE — 2003
What CITIZENS STATE BANK, THE 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 | 205,335,000 | 205,488,000 | 202,917,000 | 212,726,000 |
| Total loans | 167,126,000 | 168,853,000 | 163,277,000 | 165,909,000 |
| Allowance for loan losses | 2,440,000 | 2,515,000 | 2,503,000 | 2,321,000 |
| Securities available for sale | 27,766,000 | 26,284,000 | 26,552,000 | 30,473,000 |
| Securities held to maturity | 1,930,000 | 1,711,000 | 1,425,000 | 1,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,793,000 | 146,692,000 | 150,419,000 | 152,494,000 |
| Interest-bearing deposits | 140,234,000 | 135,796,000 | 139,032,000 | 136,786,000 |
| Noninterest-bearing deposits | 10,559,000 | 10,896,000 | 11,387,000 | 15,708,000 |
| Equity capital | 18,409,000 | 19,230,000 | 19,255,000 | 23,795,000 |
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 | 2,828,000 | 5,726,000 | 8,524,000 | 11,282,000 |
| Interest expense | 1,305,000 | 2,527,000 | 3,672,000 | 4,737,000 |
| Net interest income | 1,523,000 | 3,199,000 | 4,852,000 | 6,545,000 |
| Noninterest income | 148,000 | 291,000 | 431,000 | 573,000 |
| Noninterest expense | 756,000 | 1,495,000 | 2,223,000 | 3,006,000 |
| Provision for loan losses | 413,000 | 413,000 | 413,000 | 476,000 |
| Pretax income | 502,000 | 1,582,000 | 2,647,000 | 3,641,000 |
| Income tax | 42,000 | 84,000 | 128,000 | 146,000 |
| Net income | 460,000 | 1,498,000 | 2,519,000 | 3,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,063,000 | 16,759,000 | 17,093,000 | 21,600,000 |
| Total capital | 18,104,000 | 18,811,000 | 19,109,000 | 23,684,000 |
| Risk-weighted assets | 162,885,000 | 163,708,000 | 160,876,000 | 166,521,000 |
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