Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 43,467,000 | 43,125,000 | 45,018,000 | 46,941,000 |
| Total loans | 25,933,000 | 27,750,000 | 28,961,000 | 29,487,000 |
| Allowance for loan losses | 359,000 | 355,000 | 339,000 | 343,000 |
| Securities available for sale | 11,891,000 | 8,017,000 | 9,597,000 | 9,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,835,000 | 33,934,000 | 35,662,000 | 37,812,000 |
| Interest-bearing deposits | 30,050,000 | 29,995,000 | 31,467,000 | 33,173,000 |
| Noninterest-bearing deposits | 3,785,000 | 3,939,000 | 4,195,000 | 4,639,000 |
| Equity capital | 6,546,000 | 6,354,000 | 6,431,000 | 6,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 718,000 | 1,445,000 | 2,153,000 | 2,821,000 |
| Interest expense | 429,000 | 860,000 | 1,277,000 | 1,667,000 |
| Net interest income | 289,000 | 585,000 | 876,000 | 1,154,000 |
| Noninterest income | 144,000 | 282,000 | 442,000 | 588,000 |
| Noninterest expense | 358,000 | 719,000 | 1,067,000 | 1,427,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 118,000 | 350,000 | 509,000 | 573,000 |
| Income tax | 27,000 | 55,000 | 99,000 | 128,000 |
| Net income | 91,000 | 295,000 | 410,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,659,000 | 3,702,000 | 3,757,000 | 3,833,000 |
| Total capital | 4,018,000 | 4,057,000 | 4,096,000 | 4,176,000 |
| Risk-weighted assets | 28,941,000 | 30,364,000 | 30,594,000 | 31,803,000 |