Call reports 2001
CITIZENS STATE BANK OF CORTEZ, THE — 2001
What CITIZENS STATE BANK OF CORTEZ, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 63,451,000 | 65,994,000 | 69,134,000 | 66,463,000 |
| Total loans | 37,925,000 | 38,782,000 | 38,510,000 | 37,122,000 |
| Allowance for loan losses | 498,000 | 498,000 | 474,000 | 493,000 |
| Securities available for sale | 17,365,000 | 15,471,000 | 17,903,000 | 21,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,049,000 | 55,403,000 | 58,578,000 | 56,001,000 |
| Interest-bearing deposits | 38,465,000 | 39,406,000 | 40,604,000 | 37,741,000 |
| Noninterest-bearing deposits | 14,584,000 | 15,997,000 | 17,974,000 | 18,260,000 |
| Equity capital | 5,525,000 | 5,697,000 | 5,687,000 | 5,710,000 |
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 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,247,000 | 2,523,000 | 3,736,000 | 4,923,000 |
| Interest expense | 397,000 | 787,000 | 1,152,000 | 1,442,000 |
| Net interest income | 850,000 | 1,736,000 | 2,584,000 | 3,481,000 |
| Noninterest income | 346,000 | 649,000 | 955,000 | 1,421,000 |
| Noninterest expense | 900,000 | 1,850,000 | 2,777,000 | 3,793,000 |
| Provision for loan losses | 6,000 | 20,000 | 36,000 | 102,000 |
| Pretax income | 290,000 | 515,000 | 726,000 | 1,007,000 |
| Income tax | 85,000 | 148,000 | 207,000 | 294,000 |
| Net income | 205,000 | 367,000 | 519,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,342,000 | 5,505,000 | 4,858,000 | 5,115,000 |
| Total capital | 5,840,000 | 6,003,000 | 5,332,000 | 5,608,000 |
| Risk-weighted assets | 44,942,000 | 46,098,000 | 46,295,000 | 44,486,000 |
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