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 | 125,305,000 | 124,195,000 | 121,042,000 | 116,048,000 |
| Total loans | 69,799,000 | 68,743,000 | 67,746,000 | 50,140,000 |
| Allowance for loan losses | 968,000 | 901,000 | 904,000 | 848,000 |
| Securities available for sale | 47,483,000 | 41,815,000 | 44,503,000 | 54,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,686,000 | 99,939,000 | 89,581,000 | 90,332,000 |
| Interest-bearing deposits | 80,634,000 | 79,295,000 | 74,390,000 | 75,250,000 |
| Noninterest-bearing deposits | 14,052,000 | 20,644,000 | 15,191,000 | 15,082,000 |
| Equity capital | 10,694,000 | 11,046,000 | 10,646,000 | 11,771,000 |
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 | 1,875,000 | 3,719,000 | 5,454,000 | 7,083,000 |
| Interest expense | 645,000 | 1,262,000 | 1,775,000 | 2,243,000 |
| Net interest income | 1,230,000 | 2,457,000 | 3,679,000 | 4,840,000 |
| Noninterest income | 385,000 | 458,000 | 744,000 | 1,019,000 |
| Noninterest expense | 1,184,000 | 2,376,000 | 3,526,000 | 4,680,000 |
| Provision for loan losses | 100,000 | 225,000 | 300,000 | 375,000 |
| Pretax income | 259,000 | 490,000 | 781,000 | 979,000 |
| Income tax | 90,000 | 148,000 | 231,000 | 238,000 |
| Net income | 169,000 | 342,000 | 550,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,395,000 | 10,622,000 | 10,868,000 | 11,820,000 |
| Total capital | 11,363,000 | 11,523,000 | 11,736,000 | 12,660,000 |
| Risk-weighted assets | 77,937,000 | 73,150,000 | 68,926,000 | 67,182,000 |