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 | 109,587,000 | 115,634,000 | 121,536,000 | 121,100,000 |
| Total loans | 54,554,000 | 57,283,000 | 68,703,000 | 69,539,000 |
| Allowance for loan losses | 831,000 | 906,000 | 969,000 | 997,000 |
| Securities available for sale | 48,029,000 | 51,096,000 | 42,448,000 | 41,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,603,000 | 87,010,000 | 90,509,000 | 91,229,000 |
| Interest-bearing deposits | 70,552,000 | 72,051,000 | 76,037,000 | 77,888,000 |
| Noninterest-bearing deposits | 17,051,000 | 14,959,000 | 14,472,000 | 13,341,000 |
| Equity capital | 9,804,000 | 10,570,000 | 10,735,000 | 10,920,000 |
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 | 1,934,000 | 3,966,000 | 6,003,000 | 7,989,000 |
| Interest expense | 686,000 | 1,368,000 | 2,065,000 | 2,742,000 |
| Net interest income | 1,248,000 | 2,598,000 | 3,938,000 | 5,247,000 |
| Noninterest income | 152,000 | 301,000 | 513,000 | 738,000 |
| Noninterest expense | 1,039,000 | 2,093,000 | 3,181,000 | 4,318,000 |
| Provision for loan losses | 90,000 | 212,000 | 326,000 | 422,000 |
| Pretax income | 259,000 | 590,000 | 873,000 | 1,120,000 |
| Income tax | 93,000 | 201,000 | 320,000 | 342,000 |
| Net income | 166,000 | 389,000 | 553,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,012,000 | 10,227,000 | 10,367,000 | 10,581,000 |
| Total capital | 10,843,000 | 11,133,000 | 11,336,000 | 11,578,000 |
| Risk-weighted assets | 69,459,000 | 71,682,000 | 76,745,000 | 79,499,000 |