Call reports 2003
CITIZENS STATE BANK OF POMONA, THE — 2003
What CITIZENS STATE BANK OF POMONA, THE 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 | 14,435,000 | 13,599,000 | 13,682,000 | 14,162,000 |
| Total loans | 7,723,000 | 8,361,000 | 8,803,000 | 9,819,000 |
| Allowance for loan losses | 103,000 | 99,000 | 96,000 | 105,000 |
| Securities available for sale | 4,924,000 | 4,618,000 | 4,127,000 | 3,724,000 |
| Securities held to maturity | 167,000 | 136,000 | 211,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,649,000 | 11,272,000 | 11,887,000 | 11,981,000 |
| Interest-bearing deposits | 11,363,000 | 10,136,000 | 10,848,000 | 11,046,000 |
| Noninterest-bearing deposits | 1,286,000 | 1,136,000 | 1,039,000 | 935,000 |
| Equity capital | 1,655,000 | 1,631,000 | 1,666,000 | 1,714,000 |
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 | 203,000 | 392,000 | 608,000 | 812,000 |
| Interest expense | 55,000 | 108,000 | 159,000 | 211,000 |
| Net interest income | 148,000 | 284,000 | 449,000 | 601,000 |
| Noninterest income | 22,000 | 52,000 | 94,000 | 132,000 |
| Noninterest expense | 104,000 | 202,000 | 332,000 | 429,000 |
| Provision for loan losses | 0 | 0 | 0 | 19,000 |
| Pretax income | 66,000 | 134,000 | 211,000 | 285,000 |
| Income tax | 22,000 | 45,000 | 72,000 | 91,000 |
| Net income | 44,000 | 89,000 | 139,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,625,000 | 1,594,000 | 1,644,000 | 1,699,000 |
| Total capital | 1,717,000 | 1,689,000 | 1,740,000 | 1,804,000 |
| Risk-weighted assets | 7,331,000 | 7,567,000 | 8,013,000 | 8,746,000 |