Call reports 2003
CITIZENS STATE BANK OF ROSEAU — 2003
What CITIZENS STATE BANK OF ROSEAU 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 | 151,714,000 | 152,084,000 | 151,780,000 | 155,424,000 |
| Total loans | 63,181,000 | 66,076,000 | 66,072,000 | 66,047,000 |
| Allowance for loan losses | 714,000 | 735,000 | 741,000 | 800,000 |
| Securities available for sale | 78,584,000 | 74,751,000 | 74,577,000 | 76,316,000 |
| Securities held to maturity | 1,994,000 | 1,993,000 | 1,991,000 | 2,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,005,000 | 121,896,000 | 122,000,000 | 126,221,000 |
| Interest-bearing deposits | 105,255,000 | 105,948,000 | 106,390,000 | 108,702,000 |
| Noninterest-bearing deposits | 16,750,000 | 15,948,000 | 15,610,000 | 17,519,000 |
| Equity capital | 19,754,000 | 20,236,000 | 18,281,000 | 18,692,000 |
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 | 1,804,000 | 3,705,000 | 5,489,000 | 7,223,000 |
| Interest expense | 618,000 | 1,195,000 | 1,747,000 | 2,276,000 |
| Net interest income | 1,186,000 | 2,510,000 | 3,742,000 | 4,947,000 |
| Noninterest income | 230,000 | 467,000 | 732,000 | 854,000 |
| Noninterest expense | 797,000 | 1,577,000 | 2,454,000 | 3,317,000 |
| Provision for loan losses | 16,000 | 52,000 | 97,000 | 249,000 |
| Pretax income | 603,000 | 1,351,000 | 1,926,000 | 2,238,000 |
| Income tax | -15,000 | -21,000 | -20,000 | -20,000 |
| Net income | 604,000 | 1,358,000 | 1,932,000 | 2,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,594,000 | 18,858,000 | 17,782,000 | 17,954,000 |
| Total capital | 19,308,000 | 19,593,000 | 18,523,000 | 18,754,000 |
| Risk-weighted assets | 87,153,000 | 90,400,000 | 93,021,000 | 94,559,000 |