Call reports 2001
CITIZENS STATE BANK OF ROSEAU — 2001
What CITIZENS STATE BANK OF ROSEAU 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 | 135,308,000 | 136,238,000 | 135,348,000 | 138,451,000 |
| Total loans | 64,985,000 | 63,851,000 | 64,059,000 | 64,189,000 |
| Allowance for loan losses | 708,000 | 698,000 | 706,000 | 675,000 |
| Securities available for sale | 49,105,000 | 46,170,000 | 53,627,000 | 56,378,000 |
| Securities held to maturity | 6,835,000 | 6,784,000 | 6,708,000 | 6,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,201,000 | 108,681,000 | 106,724,000 | 110,367,000 |
| Interest-bearing deposits | 97,543,000 | 98,232,000 | 95,381,000 | 96,709,000 |
| Noninterest-bearing deposits | 10,658,000 | 10,449,000 | 11,343,000 | 13,658,000 |
| Equity capital | 16,704,000 | 17,201,000 | 18,184,000 | 17,969,000 |
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 | 2,477,000 | 4,909,000 | 7,214,000 | 9,418,000 |
| Interest expense | 1,273,000 | 2,490,000 | 3,602,000 | 4,570,000 |
| Net interest income | 1,204,000 | 2,419,000 | 3,612,000 | 4,848,000 |
| Noninterest income | 107,000 | 232,000 | 365,000 | 546,000 |
| Noninterest expense | 679,000 | 1,353,000 | 2,094,000 | 2,820,000 |
| Provision for loan losses | 32,000 | 35,000 | 42,000 | 53,000 |
| Pretax income | 576,000 | 1,210,000 | 1,766,000 | 2,455,000 |
| Income tax | 49,000 | -17,000 | -16,000 | 216,000 |
| Net income | 527,000 | 1,227,000 | 1,782,000 | 2,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,449,000 | 16,949,000 | 17,324,000 | 17,431,000 |
| Total capital | 17,157,000 | 17,647,000 | 18,030,000 | 18,106,000 |
| Risk-weighted assets | 77,178,000 | 76,478,000 | 76,613,000 | 78,686,000 |