Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS STATE BANK 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 | 47,818,000 | 50,632,000 | 51,350,000 | 52,102,000 |
| Total loans | 31,794,000 | 35,280,000 | 38,215,000 | 35,973,000 |
| Allowance for loan losses | 352,000 | 351,000 | 348,000 | 349,000 |
| Securities available for sale | 4,669,000 | 4,577,000 | 4,816,000 | 4,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,825,000 | 41,253,000 | 41,524,000 | 40,811,000 |
| Interest-bearing deposits | 34,426,000 | 36,835,000 | 37,429,000 | 36,237,000 |
| Noninterest-bearing deposits | 4,399,000 | 4,418,000 | 4,095,000 | 4,574,000 |
| Equity capital | 6,469,000 | 6,542,000 | 6,675,000 | 6,538,000 |
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 | 663,000 | 1,382,000 | 2,137,000 | 2,895,000 |
| Interest expense | 354,000 | 706,000 | 1,057,000 | 1,401,000 |
| Net interest income | 309,000 | 676,000 | 1,080,000 | 1,494,000 |
| Noninterest income | 118,000 | 222,000 | 390,000 | 531,000 |
| Noninterest expense | 371,000 | 766,000 | 1,147,000 | 1,534,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 56,000 | 132,000 | 323,000 | 491,000 |
| Income tax | 16,000 | 39,000 | 104,000 | 161,000 |
| Net income | 40,000 | 93,000 | 219,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,886,000 | 3,951,000 | 4,090,000 | 3,963,000 |
| Total capital | 4,238,000 | 4,302,000 | 4,438,000 | 4,312,000 |
| Risk-weighted assets | 34,690,000 | 37,561,000 | 40,103,000 | 37,882,000 |