Call reports 2001
CITIZENS STATE BANK OF ST. JAMES — 2001
What CITIZENS STATE BANK OF ST. JAMES reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 |
|---|---|---|
| Total assets | 60,114,000 | 61,435,000 |
| Total loans | 46,734,000 | 48,454,000 |
| Allowance for loan losses | 436,000 | 457,000 |
| Securities available for sale | 9,870,000 | 9,178,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 51,732,000 | 53,144,000 |
| Interest-bearing deposits | 48,657,000 | 49,413,000 |
| Noninterest-bearing deposits | 3,075,000 | 3,731,000 |
| Equity capital | 4,919,000 | 4,903,000 |
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 |
|---|---|---|
| Interest income | 1,275,000 | 2,606,000 |
| Interest expense | 664,000 | 1,280,000 |
| Net interest income | 611,000 | 1,326,000 |
| Noninterest income | 77,000 | 159,000 |
| Noninterest expense | 368,000 | 710,000 |
| Provision for loan losses | 22,000 | 45,000 |
| Pretax income | 298,000 | 730,000 |
| Income tax | 30,000 | 43,000 |
| Net income | 268,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 |
|---|---|---|
| Tier 1 capital | 4,666,000 | 4,705,000 |
| Total capital | 5,102,000 | 5,162,000 |
| Risk-weighted assets | 45,995,000 | 46,772,000 |