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 | 49,335,000 | 52,077,000 | 55,198,000 | 56,382,000 |
| Total loans | 17,467,000 | 18,584,000 | 18,555,000 | 18,126,000 |
| Allowance for loan losses | 107,000 | 116,000 | 126,000 | 126,000 |
| Securities available for sale | 9,672,000 | 9,889,000 | 4,347,000 | 7,373,000 |
| Securities held to maturity | 17,502,000 | 19,749,000 | 23,286,000 | 26,384,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,377,000 | 47,981,000 | 50,929,000 | 52,225,000 |
| Interest-bearing deposits | 38,334,000 | 40,274,000 | 42,748,000 | 43,482,000 |
| Noninterest-bearing deposits | 7,043,000 | 7,707,000 | 8,181,000 | 8,743,000 |
| Equity capital | 3,755,000 | 3,912,000 | 4,059,000 | 3,963,000 |
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 | 925,000 | 1,875,000 | 2,847,000 | 3,784,000 |
| Interest expense | 502,000 | 997,000 | 1,502,000 | 1,977,000 |
| Net interest income | 423,000 | 878,000 | 1,345,000 | 1,807,000 |
| Noninterest income | 103,000 | 207,000 | 290,000 | 410,000 |
| Noninterest expense | 301,000 | 593,000 | 911,000 | 1,436,000 |
| Provision for loan losses | 6,000 | 28,000 | 42,000 | 134,000 |
| Pretax income | 223,000 | 459,000 | 727,000 | 865,000 |
| Income tax | 22,000 | 89,000 | 156,000 | 275,000 |
| Net income | 201,000 | 370,000 | 571,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,753,000 | 3,924,000 | 4,027,000 | 4,045,000 |
| Total capital | 3,860,000 | 4,040,000 | 4,153,000 | 4,171,000 |
| Risk-weighted assets | 21,115,000 | 20,355,000 | 22,205,000 | 21,829,000 |