Call reports 2001
CITIZENS BANK OF SPARTA, THE — 2001
What CITIZENS BANK OF SPARTA, THE 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 | 47,428,000 | 46,673,000 | 44,817,000 | 43,820,000 |
| Total loans | 29,804,000 | 29,785,000 | 29,214,000 | 29,480,000 |
| Allowance for loan losses | 525,000 | 533,000 | 466,000 | 486,000 |
| Securities available for sale | 6,106,000 | 6,145,000 | 5,546,000 | 5,091,000 |
| Securities held to maturity | 4,818,000 | 4,819,000 | 4,585,000 | 4,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,696,000 | 36,952,000 | 37,054,000 | 37,992,000 |
| Interest-bearing deposits | 33,453,000 | 33,899,000 | 34,186,000 | 34,900,000 |
| Noninterest-bearing deposits | 3,243,000 | 3,053,000 | 2,869,000 | 3,093,000 |
| Equity capital | 4,621,000 | 4,626,000 | 4,701,000 | 4,600,000 |
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 | 949,000 | 1,860,000 | 2,718,000 | 3,526,000 |
| Interest expense | 542,000 | 1,066,000 | 1,539,000 | 1,930,000 |
| Net interest income | 407,000 | 794,000 | 1,179,000 | 1,596,000 |
| Noninterest income | 51,000 | 85,000 | 122,000 | 161,000 |
| Noninterest expense | 367,000 | 726,000 | 1,091,000 | 1,501,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 136,000 |
| Pretax income | 61,000 | 93,000 | 120,000 | 120,000 |
| Income tax | 0 | 0 | 0 | 15,000 |
| Net income | 61,000 | 93,000 | 120,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,553,000 | 4,584,000 | 4,612,000 | 4,550,000 |
| Total capital | 4,913,000 | 4,948,000 | 4,964,000 | 4,905,000 |
| Risk-weighted assets | 28,675,000 | 28,957,000 | 28,287,000 | 28,299,000 |