Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE BANK 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 | 61,076,000 | 61,343,000 | 61,371,000 | 65,668,000 |
| Total loans | 38,200,000 | 38,887,000 | 39,380,000 | 39,674,000 |
| Allowance for loan losses | 811,000 | 781,000 | 823,000 | 805,000 |
| Securities available for sale | 13,737,000 | 14,747,000 | 14,619,000 | 17,677,000 |
| Securities held to maturity | 4,001,000 | 3,500,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,108,000 | 51,916,000 | 52,089,000 | 56,362,000 |
| Interest-bearing deposits | 46,435,000 | 46,051,000 | 45,924,000 | 50,372,000 |
| Noninterest-bearing deposits | 5,673,000 | 5,865,000 | 6,165,000 | 5,990,000 |
| Equity capital | 8,586,000 | 8,590,000 | 8,796,000 | 8,688,000 |
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 | 1,241,000 | 2,490,000 | 3,657,000 | 4,748,000 |
| Interest expense | 552,000 | 1,093,000 | 1,615,000 | 2,074,000 |
| Net interest income | 689,000 | 1,397,000 | 2,042,000 | 2,674,000 |
| Noninterest income | 83,000 | 177,000 | 269,000 | 367,000 |
| Noninterest expense | 485,000 | 978,000 | 1,453,000 | 1,917,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 287,000 | 596,000 | 858,000 | 1,124,000 |
| Income tax | 111,000 | 232,000 | 335,000 | 438,000 |
| Net income | 176,000 | 364,000 | 523,000 | 686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,070,000 | 6,162,000 | 6,270,000 | 6,388,000 |
| Total capital | 6,534,000 | 6,629,000 | 6,748,000 | 6,873,000 |
| Risk-weighted assets | 36,761,000 | 37,033,000 | 37,863,000 | 38,458,000 |