Call reports 2002
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2002
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 51,311,000 | 51,718,000 | 51,381,000 | 54,569,000 |
| Total loans | 31,083,000 | 32,082,000 | 30,808,000 | 32,694,000 |
| Allowance for loan losses | 727,000 | 728,000 | 706,000 | 789,000 |
| Securities available for sale | 16,051,000 | 14,956,000 | 14,059,000 | 14,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,179,000 | 41,710,000 | 41,058,000 | 42,337,000 |
| Interest-bearing deposits | 36,082,000 | 33,226,000 | 33,370,000 | 34,346,000 |
| Noninterest-bearing deposits | 7,097,000 | 8,484,000 | 7,688,000 | 7,991,000 |
| Equity capital | 5,107,000 | 5,331,000 | 5,490,000 | 5,509,000 |
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 | 767,000 | 1,550,000 | 2,310,000 | 3,045,000 |
| Interest expense | 302,000 | 563,000 | 814,000 | 1,044,000 |
| Net interest income | 465,000 | 987,000 | 1,496,000 | 2,001,000 |
| Noninterest income | 114,000 | 224,000 | 351,000 | 478,000 |
| Noninterest expense | 472,000 | 904,000 | 1,340,000 | 1,787,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 307,000 | 507,000 | 692,000 |
| Income tax | 4,000 | 11,000 | 19,000 | 29,000 |
| Net income | 103,000 | 296,000 | 488,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,887,000 | 4,950,000 | 5,013,000 | 5,057,000 |
| Total capital | 5,287,000 | 5,363,000 | 5,410,000 | 5,473,000 |
| Risk-weighted assets | 31,690,000 | 32,711,000 | 31,453,000 | 32,907,000 |