Call reports 2002
CITIZENS BANK OF SPARTA, THE — 2002
What CITIZENS BANK OF SPARTA, THE 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 | 43,690,000 | 43,330,000 | 44,224,000 | 43,054,000 |
| Total loans | 29,969,000 | 30,056,000 | 29,858,000 | 30,637,000 |
| Allowance for loan losses | 493,000 | 473,000 | 447,000 | 441,000 |
| Securities available for sale | 5,873,000 | 5,453,000 | 5,120,000 | 5,337,000 |
| Securities held to maturity | 4,003,000 | 4,015,000 | 3,839,000 | 3,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,803,000 | 36,281,000 | 36,976,000 | 37,022,000 |
| Interest-bearing deposits | 33,643,000 | 33,172,000 | 33,492,000 | 33,783,000 |
| Noninterest-bearing deposits | 3,160,000 | 3,109,000 | 3,484,000 | 3,239,000 |
| Equity capital | 4,638,000 | 4,797,000 | 4,935,000 | 4,861,000 |
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 | 758,000 | 1,500,000 | 2,212,000 | 2,922,000 |
| Interest expense | 323,000 | 609,000 | 894,000 | 1,172,000 |
| Net interest income | 435,000 | 891,000 | 1,318,000 | 1,750,000 |
| Noninterest income | 39,000 | 84,000 | 127,000 | 169,000 |
| Noninterest expense | 361,000 | 729,000 | 1,116,000 | 1,526,000 |
| Provision for loan losses | 60,000 | 90,000 | 130,000 | 210,000 |
| Pretax income | 53,000 | 156,000 | 199,000 | 186,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 53,000 | 156,000 | 199,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,603,000 | 4,706,000 | 4,749,000 | 4,675,000 |
| Total capital | 4,961,000 | 5,062,000 | 5,105,000 | 5,033,000 |
| Risk-weighted assets | 28,524,000 | 28,400,000 | 28,398,000 | 28,567,000 |