Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS STATE BANK 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 | 61,398,000 | 62,973,000 | 60,779,000 | 60,550,000 |
| Total loans | 34,285,000 | 34,685,000 | 33,348,000 | 31,820,000 |
| Allowance for loan losses | 703,000 | 676,000 | 613,000 | 409,000 |
| Securities available for sale | 19,166,000 | 21,031,000 | 22,214,000 | 23,333,000 |
| Securities held to maturity | 1,517,000 | 505,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,052,000 | 56,357,000 | 54,317,000 | 53,679,000 |
| Interest-bearing deposits | 48,658,000 | 50,163,000 | 48,351,000 | 47,826,000 |
| Noninterest-bearing deposits | 6,394,000 | 6,194,000 | 5,966,000 | 5,853,000 |
| Equity capital | 6,004,000 | 6,251,000 | 6,029,000 | 6,229,000 |
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 | 294,000 | 927,000 | 1,587,000 | 2,299,000 |
| Interest expense | 107,000 | 342,000 | 555,000 | 754,000 |
| Net interest income | 187,000 | 585,000 | 1,032,000 | 1,545,000 |
| Noninterest income | 36,000 | 121,000 | 214,000 | 312,000 |
| Noninterest expense | 180,000 | 597,000 | 1,044,000 | 1,475,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 43,000 | 109,000 | 202,000 | 355,000 |
| Income tax | 7,000 | 4,000 | 19,000 | 47,000 |
| Net income | 36,000 | 105,000 | 183,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,155,000 | 3,224,000 | 3,252,000 | 3,378,000 |
| Total capital | 3,575,000 | 3,650,000 | 3,665,000 | 3,777,000 |
| Risk-weighted assets | 33,324,000 | 33,838,000 | 32,818,000 | 31,885,000 |