Call reports 2003
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2003
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 52,709,000 | 55,217,000 | 52,536,000 | 56,894,000 |
| Total loans | 31,660,000 | 32,711,000 | 31,855,000 | 34,041,000 |
| Allowance for loan losses | 698,000 | 687,000 | 704,000 | 698,000 |
| Securities available for sale | 12,527,000 | 15,182,000 | 15,739,000 | 14,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,841,000 | 42,862,000 | 41,146,000 | 43,655,000 |
| Interest-bearing deposits | 34,395,000 | 35,424,000 | 33,280,000 | 35,349,000 |
| Noninterest-bearing deposits | 7,446,000 | 7,438,000 | 7,866,000 | 8,306,000 |
| Equity capital | 5,457,000 | 5,596,000 | 5,491,000 | 5,498,000 |
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 | 711,000 | 1,417,000 | 2,108,000 | 2,792,000 |
| Interest expense | 193,000 | 380,000 | 553,000 | 717,000 |
| Net interest income | 518,000 | 1,037,000 | 1,555,000 | 2,075,000 |
| Noninterest income | 115,000 | 225,000 | 347,000 | 488,000 |
| Noninterest expense | 496,000 | 921,000 | 1,358,000 | 1,828,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 137,000 | 341,000 | 544,000 | 735,000 |
| Income tax | 7,000 | 18,000 | 28,000 | 32,000 |
| Net income | 130,000 | 323,000 | 516,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,038,000 | 5,120,000 | 5,183,000 | 5,240,000 |
| Total capital | 5,440,000 | 5,537,000 | 5,585,000 | 5,672,000 |
| Risk-weighted assets | 31,889,000 | 33,123,000 | 31,886,000 | 34,331,000 |