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 | 37,103,000 | 36,825,000 | 36,441,000 | 37,296,000 |
| Total loans | 26,031,000 | 26,245,000 | 26,980,000 | 26,296,000 |
| Allowance for loan losses | 500,000 | 467,000 | 528,000 | 457,000 |
| Securities available for sale | 2,415,000 | 2,281,000 | 2,165,000 | 2,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,469,000 | 30,080,000 | 30,149,000 | 31,015,000 |
| Interest-bearing deposits | 26,367,000 | 26,066,000 | 26,101,000 | 26,978,000 |
| Noninterest-bearing deposits | 4,102,000 | 4,014,000 | 4,048,000 | 4,037,000 |
| Equity capital | 2,836,000 | 2,968,000 | 2,982,000 | 3,146,000 |
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 | 679,000 | 1,321,000 | 1,987,000 | 2,630,000 |
| Interest expense | 272,000 | 547,000 | 803,000 | 1,066,000 |
| Net interest income | 407,000 | 774,000 | 1,184,000 | 1,564,000 |
| Noninterest income | 76,000 | 169,000 | 258,000 | 352,000 |
| Noninterest expense | 286,000 | 562,000 | 845,000 | 1,218,000 |
| Provision for loan losses | 0 | 0 | 126,000 | 238,000 |
| Pretax income | 197,000 | 381,000 | 471,000 | 460,000 |
| Income tax | 65,000 | 127,000 | 182,000 | 84,000 |
| Net income | 132,000 | 254,000 | 289,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,816,000 | 2,938,000 | 2,940,000 | 3,106,000 |
| Total capital | 3,128,000 | 3,242,000 | 3,251,000 | 3,409,000 |
| Risk-weighted assets | 24,747,000 | 24,185,000 | 24,631,000 | 24,056,000 |