Call reports 2002
CITIZENS STATE BANK OF ROSEAU — 2002
What CITIZENS STATE BANK OF ROSEAU 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 | 139,804,000 | 144,147,000 | 146,436,000 | 149,655,000 |
| Total loans | 63,252,000 | 63,883,000 | 65,585,000 | 63,997,000 |
| Allowance for loan losses | 690,000 | 695,000 | 712,000 | 750,000 |
| Securities available for sale | 60,114,000 | 64,800,000 | 65,005,000 | 72,820,000 |
| Securities held to maturity | 5,218,000 | 5,216,000 | 3,214,000 | 2,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,836,000 | 115,328,000 | 116,779,000 | 119,975,000 |
| Interest-bearing deposits | 98,151,000 | 101,687,000 | 101,897,000 | 103,806,000 |
| Noninterest-bearing deposits | 13,685,000 | 13,641,000 | 14,882,000 | 16,169,000 |
| Equity capital | 17,800,000 | 18,701,000 | 19,509,000 | 19,749,000 |
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 | 2,094,000 | 4,151,000 | 6,146,000 | 8,059,000 |
| Interest expense | 812,000 | 1,575,000 | 2,332,000 | 3,028,000 |
| Net interest income | 1,282,000 | 2,576,000 | 3,814,000 | 5,031,000 |
| Noninterest income | 161,000 | 340,000 | 414,000 | 626,000 |
| Noninterest expense | 772,000 | 1,556,000 | 2,347,000 | 3,154,000 |
| Provision for loan losses | 9,000 | 18,000 | 34,000 | 151,000 |
| Pretax income | 654,000 | 1,332,000 | 1,836,000 | 2,341,000 |
| Income tax | 2,000 | 9,000 | 16,000 | 24,000 |
| Net income | 652,000 | 1,323,000 | 2,031,000 | 2,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,683,000 | 17,784,000 | 18,292,000 | 18,490,000 |
| Total capital | 18,373,000 | 18,479,000 | 19,004,000 | 19,240,000 |
| Risk-weighted assets | 79,157,000 | 80,920,000 | 85,257,000 | 86,877,000 |