Call reports 2003
CITIZENS STATE BANK OF LANKIN — 2003
What CITIZENS STATE BANK OF LANKIN 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 | 35,042,000 | 34,502,000 | 34,068,000 | 34,565,000 |
| Total loans | 14,313,000 | 15,043,000 | 16,536,000 | 16,816,000 |
| Allowance for loan losses | 888,000 | 890,000 | 884,000 | 886,000 |
| Securities available for sale | 12,440,000 | 12,764,000 | 12,350,000 | 12,070,000 |
| Securities held to maturity | 240,000 | 32,000 | 32,000 | 31,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,724,000 | 29,918,000 | 29,648,000 | 30,082,000 |
| Interest-bearing deposits | 27,561,000 | 26,895,000 | 26,551,000 | 25,972,000 |
| Noninterest-bearing deposits | 3,163,000 | 3,023,000 | 3,097,000 | 4,110,000 |
| Equity capital | 4,167,000 | 4,356,000 | 4,241,000 | 4,168,000 |
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 | 470,000 | 936,000 | 1,409,000 | 1,869,000 |
| Interest expense | 142,000 | 281,000 | 405,000 | 516,000 |
| Net interest income | 328,000 | 655,000 | 1,004,000 | 1,353,000 |
| Noninterest income | 28,000 | 54,000 | 96,000 | 136,000 |
| Noninterest expense | 253,000 | 503,000 | 781,000 | 1,097,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 216,000 | 329,000 | 416,000 |
| Income tax | 25,000 | 50,000 | 79,000 | 96,000 |
| Net income | 88,000 | 166,000 | 250,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,959,000 | 4,054,000 | 4,067,000 | 3,991,000 |
| Total capital | 4,218,000 | 4,314,000 | 4,346,000 | 4,273,000 |
| Risk-weighted assets | 20,059,000 | 20,212,000 | 21,721,000 | 21,929,000 |