Call reports 2003
CITIZENS STATE BANK AT MOHALL, THE — 2003
What CITIZENS STATE BANK AT MOHALL, THE 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 | 30,106,000 | 30,474,000 | 30,804,000 | 30,880,000 |
| Total loans | 21,371,000 | 23,310,000 | 23,450,000 | 22,312,000 |
| Allowance for loan losses | 337,000 | 339,000 | 339,000 | 304,000 |
| Securities available for sale | 5,320,000 | 5,065,000 | 5,269,000 | 5,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,760,000 | 25,649,000 | 25,586,000 | 27,093,000 |
| Interest-bearing deposits | 23,629,000 | 21,934,000 | 21,373,000 | 21,721,000 |
| Noninterest-bearing deposits | 4,131,000 | 3,715,000 | 4,213,000 | 5,372,000 |
| Equity capital | 2,236,000 | 2,130,000 | 2,213,000 | 2,172,000 |
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 | 402,000 | 790,000 | 1,190,000 | 1,583,000 |
| Interest expense | 109,000 | 217,000 | 321,000 | 420,000 |
| Net interest income | 293,000 | 573,000 | 869,000 | 1,163,000 |
| Noninterest income | 22,000 | 52,000 | 76,000 | 104,000 |
| Noninterest expense | 150,000 | 296,000 | 437,000 | 656,000 |
| Provision for loan losses | 15,000 | 65,000 | 65,000 | 95,000 |
| Pretax income | 150,000 | 264,000 | 443,000 | 516,000 |
| Income tax | 16,000 | 20,000 | 36,000 | 36,000 |
| Net income | 134,000 | 244,000 | 407,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,191,000 | 2,093,000 | 2,176,000 | 2,122,000 |
| Total capital | 2,475,000 | 2,391,000 | 2,479,000 | 2,414,000 |
| Risk-weighted assets | 22,706,000 | 23,795,000 | 24,214,000 | 23,355,000 |