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 | 33,807,000 | 35,572,000 | 35,604,000 | 35,803,000 |
| Total loans | 24,553,000 | 25,841,000 | 26,423,000 | 27,201,000 |
| Allowance for loan losses | 269,000 | 500,000 | 485,000 | 496,000 |
| Securities available for sale | 4,253,000 | 2,653,000 | 2,629,000 | 2,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,310,000 | 29,196,000 | 29,062,000 | 29,297,000 |
| Interest-bearing deposits | 23,865,000 | 24,553,000 | 25,421,000 | 25,717,000 |
| Noninterest-bearing deposits | 3,445,000 | 4,643,000 | 3,641,000 | 3,580,000 |
| Equity capital | 2,660,000 | 2,634,000 | 2,764,000 | 2,750,000 |
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 | 695,000 | 1,412,000 | 2,123,000 | 2,814,000 |
| Interest expense | 336,000 | 707,000 | 1,065,000 | 1,415,000 |
| Net interest income | 359,000 | 705,000 | 1,058,000 | 1,399,000 |
| Noninterest income | 77,000 | 184,000 | 265,000 | 358,000 |
| Noninterest expense | 276,000 | 539,000 | 801,000 | 1,127,000 |
| Provision for loan losses | 32,000 | 266,000 | 266,000 | 342,000 |
| Pretax income | 128,000 | 84,000 | 256,000 | 288,000 |
| Income tax | 41,000 | 24,000 | 80,000 | 90,000 |
| Net income | 87,000 | 60,000 | 176,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,643,000 | 2,616,000 | 2,732,000 | 2,730,000 |
| Total capital | 2,912,000 | 2,930,000 | 3,047,000 | 3,049,000 |
| Risk-weighted assets | 23,684,000 | 24,940,000 | 25,007,000 | 25,334,000 |