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 | 66,917,000 | 64,587,000 | 65,025,000 | 68,061,000 |
| Total loans | 18,149,000 | 17,246,000 | 17,372,000 | 17,502,000 |
| Allowance for loan losses | 135,000 | 208,000 | 259,000 | 211,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 38,957,000 | 39,961,000 | 31,990,000 | 42,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,175,000 | 55,858,000 | 56,178,000 | 59,233,000 |
| Interest-bearing deposits | 50,927,000 | 48,667,000 | 48,680,000 | 49,646,000 |
| Noninterest-bearing deposits | 7,248,000 | 7,191,000 | 7,497,000 | 9,587,000 |
| Equity capital | 8,470,000 | 8,550,000 | 8,666,000 | 8,671,000 |
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 | 956,000 | 1,933,000 | 2,893,000 | 3,769,000 |
| Interest expense | 462,000 | 923,000 | 1,344,000 | 1,747,000 |
| Net interest income | 494,000 | 1,010,000 | 1,549,000 | 2,022,000 |
| Noninterest income | 84,000 | 194,000 | 275,000 | 351,000 |
| Noninterest expense | 271,000 | 537,000 | 820,000 | 1,127,000 |
| Provision for loan losses | 6,000 | 92,000 | 151,000 | 171,000 |
| Pretax income | 303,000 | 579,000 | 906,000 | 1,131,000 |
| Income tax | 103,000 | 199,000 | 310,000 | 393,000 |
| Net income | 200,000 | 380,000 | 596,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,145,000 | 4,225,000 | 4,341,000 | 4,346,000 |
| Total capital | 4,280,000 | 4,433,000 | 4,600,000 | 4,557,000 |
| Risk-weighted assets | 23,678,000 | 22,156,000 | 22,128,000 | 22,906,000 |