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 | 67,742,000 | 67,336,000 | 67,583,000 | 70,170,000 |
| Total loans | 28,592,000 | 28,970,000 | 30,656,000 | 28,776,000 |
| Allowance for loan losses | 577,000 | 444,000 | 511,000 | 500,000 |
| Securities available for sale | 32,088,000 | 31,684,000 | 30,241,000 | 29,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,476,000 | 52,105,000 | 51,671,000 | 54,785,000 |
| Interest-bearing deposits | 49,283,000 | 47,375,000 | 47,462,000 | 49,335,000 |
| Noninterest-bearing deposits | 4,193,000 | 4,730,000 | 4,209,000 | 5,450,000 |
| Equity capital | 12,417,000 | 13,070,000 | 13,729,000 | 13,450,000 |
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 | 1,112,000 | 2,194,000 | 3,285,000 | 4,335,000 |
| Interest expense | 451,000 | 880,000 | 1,298,000 | 1,710,000 |
| Net interest income | 661,000 | 1,314,000 | 1,987,000 | 2,625,000 |
| Noninterest income | 91,000 | 165,000 | 238,000 | 317,000 |
| Noninterest expense | 348,000 | 667,000 | 1,011,000 | 1,464,000 |
| Provision for loan losses | 100,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 315,000 | 617,000 | 1,022,000 | 1,286,000 |
| Income tax | 16,000 | 30,000 | 51,000 | 56,000 |
| Net income | 299,000 | 587,000 | 971,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,388,000 | 11,622,000 | 11,952,000 | 11,833,000 |
| Total capital | 11,850,000 | 12,066,000 | 12,441,000 | 12,304,000 |
| Risk-weighted assets | 36,789,000 | 37,742,000 | 39,115,000 | 37,679,000 |