Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS STATE BANK 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 | 71,416,000 | 69,612,000 | 68,979,000 | 71,062,000 |
| Total loans | 30,814,000 | 31,191,000 | 32,354,000 | 30,416,000 |
| Allowance for loan losses | 513,000 | 451,000 | 437,000 | 440,000 |
| Securities available for sale | 29,464,000 | 31,094,000 | 30,087,000 | 31,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,844,000 | 53,797,000 | 53,269,000 | 55,433,000 |
| Interest-bearing deposits | 50,786,000 | 48,989,000 | 47,967,000 | 49,435,000 |
| Noninterest-bearing deposits | 5,058,000 | 4,808,000 | 5,302,000 | 5,998,000 |
| Equity capital | 13,533,000 | 13,794,000 | 13,778,000 | 13,712,000 |
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 | 997,000 | 2,000,000 | 2,967,000 | 3,941,000 |
| Interest expense | 383,000 | 751,000 | 1,080,000 | 1,388,000 |
| Net interest income | 614,000 | 1,249,000 | 1,887,000 | 2,553,000 |
| Noninterest income | 100,000 | 185,000 | 259,000 | 337,000 |
| Noninterest expense | 358,000 | 697,000 | 1,085,000 | 1,529,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 356,000 | 624,000 | 936,000 | 1,234,000 |
| Income tax | 18,000 | 31,000 | 47,000 | 78,000 |
| Net income | 338,000 | 593,000 | 889,000 | 1,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,106,000 | 12,296,000 | 12,527,000 | 12,547,000 |
| Total capital | 12,602,000 | 12,747,000 | 12,964,000 | 12,987,000 |
| Risk-weighted assets | 39,718,000 | 39,584,000 | 40,833,000 | 39,509,000 |