Call reports 2003
CITIZENS BANK OF SPARTA, THE — 2003
What CITIZENS BANK OF SPARTA, THE 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 | 45,685,000 | 46,458,000 | 46,427,000 | 45,659,000 |
| Total loans | 31,899,000 | 32,799,000 | 33,382,000 | 33,519,000 |
| Allowance for loan losses | 448,000 | 449,000 | 451,000 | 508,000 |
| Securities available for sale | 5,719,000 | 7,511,000 | 7,439,000 | 7,093,000 |
| Securities held to maturity | 2,668,000 | 2,497,000 | 2,347,000 | 2,433,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,596,000 | 40,183,000 | 39,449,000 | 39,485,000 |
| Interest-bearing deposits | 35,811,000 | 36,522,000 | 35,997,000 | 35,675,000 |
| Noninterest-bearing deposits | 3,785,000 | 3,661,000 | 3,451,000 | 3,810,000 |
| Equity capital | 4,900,000 | 5,043,000 | 5,067,000 | 5,002,000 |
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 | 694,000 | 1,392,000 | 2,105,000 | 2,777,000 |
| Interest expense | 253,000 | 507,000 | 723,000 | 922,000 |
| Net interest income | 441,000 | 885,000 | 1,382,000 | 1,855,000 |
| Noninterest income | 62,000 | 108,000 | 150,000 | 199,000 |
| Noninterest expense | 367,000 | 746,000 | 1,118,000 | 1,540,000 |
| Provision for loan losses | 70,000 | 138,000 | 178,000 | 288,000 |
| Pretax income | 67,000 | 110,000 | 239,000 | 231,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 67,000 | 110,000 | 239,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,742,000 | 4,785,000 | 4,914,000 | 4,866,000 |
| Total capital | 5,113,000 | 5,169,000 | 5,303,000 | 5,253,000 |
| Risk-weighted assets | 29,740,000 | 30,656,000 | 31,048,000 | 30,859,000 |