Call reports 2002
CITIZENS STATE BANK OF LANKIN — 2002
What CITIZENS STATE BANK OF LANKIN 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 | 32,310,000 | 31,977,000 | 32,059,000 | 33,806,000 |
| Total loans | 12,792,000 | 14,330,000 | 14,970,000 | 15,002,000 |
| Allowance for loan losses | 885,000 | 886,000 | 887,000 | 883,000 |
| Securities available for sale | 11,385,000 | 12,492,000 | 11,252,000 | 12,580,000 |
| Securities held to maturity | 581,000 | 382,000 | 422,000 | 240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,345,000 | 27,773,000 | 27,694,000 | 29,532,000 |
| Interest-bearing deposits | 25,733,000 | 24,944,000 | 24,734,000 | 26,128,000 |
| Noninterest-bearing deposits | 2,612,000 | 2,828,000 | 2,960,000 | 3,404,000 |
| Equity capital | 3,814,000 | 4,015,000 | 4,196,000 | 4,098,000 |
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 | 458,000 | 930,000 | 1,419,000 | 1,901,000 |
| Interest expense | 201,000 | 386,000 | 556,000 | 706,000 |
| Net interest income | 257,000 | 544,000 | 863,000 | 1,195,000 |
| Noninterest income | 26,000 | 60,000 | 94,000 | 145,000 |
| Noninterest expense | 251,000 | 491,000 | 752,000 | 1,026,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 33,000 | 114,000 | 215,000 | 341,000 |
| Income tax | 2,000 | 13,000 | 33,000 | 74,000 |
| Net income | 31,000 | 101,000 | 182,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,639,000 | 3,790,000 | 3,928,000 | 3,883,000 |
| Total capital | 3,874,000 | 4,036,000 | 4,182,000 | 4,146,000 |
| Risk-weighted assets | 18,173,000 | 19,037,000 | 19,669,000 | 20,420,000 |