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 | 66,920,000 | 66,138,000 | 66,548,000 | 68,009,000 |
| Total loans | 28,434,000 | 29,091,000 | 29,488,000 | 27,243,000 |
| Allowance for loan losses | 473,000 | 459,000 | 427,000 | 485,000 |
| Securities available for sale | 32,840,000 | 32,759,000 | 31,577,000 | 32,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,789,000 | 51,737,000 | 51,526,000 | 53,981,000 |
| Interest-bearing deposits | 48,317,000 | 47,331,000 | 46,951,000 | 48,947,000 |
| Noninterest-bearing deposits | 4,472,000 | 4,406,000 | 4,575,000 | 5,034,000 |
| Equity capital | 11,961,000 | 12,248,000 | 12,874,000 | 12,292,000 |
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 | 1,221,000 | 2,435,000 | 3,623,000 | 4,773,000 |
| Interest expense | 589,000 | 1,172,000 | 1,714,000 | 2,216,000 |
| Net interest income | 632,000 | 1,263,000 | 1,909,000 | 2,557,000 |
| Noninterest income | 85,000 | 152,000 | 219,000 | 298,000 |
| Noninterest expense | 346,000 | 661,000 | 1,019,000 | 1,468,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 367,000 | 749,000 | 1,083,000 | 1,260,000 |
| Income tax | 134,000 | 153,000 | 169,000 | 134,000 |
| Net income | 233,000 | 596,000 | 914,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,545,000 | 10,922,000 | 11,255,000 | 11,143,000 |
| Total capital | 11,007,000 | 11,381,000 | 11,682,000 | 11,600,000 |
| Risk-weighted assets | 36,939,000 | 37,190,000 | 37,632,000 | 36,458,000 |