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 | 38,483,000 | 37,958,000 | 37,462,000 | 37,543,000 |
| Total loans | 24,974,000 | 24,681,000 | 23,957,000 | 23,345,000 |
| Allowance for loan losses | 439,000 | 488,000 | 664,000 | 552,000 |
| Securities available for sale | 1,937,000 | 1,893,000 | 1,634,000 | 1,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,153,000 | 31,565,000 | 31,707,000 | 31,814,000 |
| Interest-bearing deposits | 28,103,000 | 27,818,000 | 27,576,000 | 27,487,000 |
| Noninterest-bearing deposits | 4,051,000 | 3,748,000 | 4,131,000 | 4,327,000 |
| Equity capital | 3,210,000 | 3,252,000 | 3,121,000 | 3,136,000 |
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 | 592,000 | 1,179,000 | 1,738,000 | 2,276,000 |
| Interest expense | 221,000 | 443,000 | 648,000 | 852,000 |
| Net interest income | 371,000 | 736,000 | 1,090,000 | 1,424,000 |
| Noninterest income | 85,000 | 174,000 | 263,000 | 351,000 |
| Noninterest expense | 295,000 | 590,000 | 908,000 | 1,307,000 |
| Provision for loan losses | 61,000 | 142,000 | 374,000 | 396,000 |
| Pretax income | 100,000 | 178,000 | 71,000 | 72,000 |
| Income tax | 29,000 | 70,000 | 86,000 | 46,000 |
| Net income | 71,000 | 108,000 | -15,000 | 26,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,177,000 | 3,214,000 | 3,090,000 | 3,108,000 |
| Total capital | 3,482,000 | 3,505,000 | 3,375,000 | 3,386,000 |
| Risk-weighted assets | 24,229,000 | 23,058,000 | 22,457,000 | 21,984,000 |