Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS STATE BANK 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 | 66,526,000 | 65,113,000 | 62,204,000 | 66,095,000 |
| Total loans | 37,443,000 | 36,774,000 | 36,174,000 | 35,238,000 |
| Allowance for loan losses | 779,000 | 759,000 | 762,000 | 710,000 |
| Securities available for sale | 22,532,000 | 22,178,000 | 18,611,000 | 20,529,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,372,000 | 55,795,000 | 52,828,000 | 56,751,000 |
| Interest-bearing deposits | 51,294,000 | 49,498,000 | 46,214,000 | 49,866,000 |
| Noninterest-bearing deposits | 6,078,000 | 6,297,000 | 6,614,000 | 6,885,000 |
| Equity capital | 8,655,000 | 8,928,000 | 8,954,000 | 8,960,000 |
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 | 1,011,000 | 2,001,000 | 2,926,000 | 3,802,000 |
| Interest expense | 428,000 | 836,000 | 1,174,000 | 1,488,000 |
| Net interest income | 583,000 | 1,165,000 | 1,752,000 | 2,314,000 |
| Noninterest income | 70,000 | 154,000 | 231,000 | 345,000 |
| Noninterest expense | 412,000 | 835,000 | 1,258,000 | 1,663,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 241,000 | 484,000 | 754,000 | 1,025,000 |
| Income tax | 71,000 | 141,000 | 220,000 | 300,000 |
| Net income | 170,000 | 343,000 | 534,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,453,000 | 6,426,000 | 6,380,000 | 6,407,000 |
| Total capital | 6,927,000 | 6,890,000 | 6,834,000 | 6,870,000 |
| Risk-weighted assets | 37,619,000 | 36,833,000 | 36,016,000 | 36,765,000 |
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