Call reports 2002
CITIZENS STATE BANK OF NEW CASTLE — 2002
What CITIZENS STATE BANK OF NEW CASTLE 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 | 211,446,000 | 212,132,000 | 215,301,000 | 219,353,000 |
| Total loans | 96,117,000 | 94,695,000 | 90,933,000 | 90,085,000 |
| Allowance for loan losses | 1,101,000 | 1,076,000 | 1,083,000 | 1,054,000 |
| Securities available for sale | 57,819,000 | 58,685,000 | 69,728,000 | 78,416,000 |
| Securities held to maturity | 25,190,000 | 21,963,000 | 20,264,000 | 17,812,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,737,000 | 188,772,000 | 191,063,000 | 195,149,000 |
| Interest-bearing deposits | 163,763,000 | 164,125,000 | 164,143,000 | 170,251,000 |
| Noninterest-bearing deposits | 24,974,000 | 24,647,000 | 26,920,000 | 24,898,000 |
| Equity capital | 20,592,000 | 21,331,000 | 21,879,000 | 22,210,000 |
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 | 2,912,000 | 5,825,000 | 8,694,000 | 11,502,000 |
| Interest expense | 946,000 | 1,857,000 | 2,780,000 | 3,654,000 |
| Net interest income | 1,966,000 | 3,968,000 | 5,914,000 | 7,848,000 |
| Noninterest income | 480,000 | 1,020,000 | 1,545,000 | 2,071,000 |
| Noninterest expense | 1,649,000 | 3,368,000 | 5,033,000 | 6,570,000 |
| Provision for loan losses | 45,000 | 90,000 | 130,000 | 185,000 |
| Pretax income | 757,000 | 1,548,000 | 2,334,000 | 3,202,000 |
| Income tax | 186,000 | 402,000 | 594,000 | 809,000 |
| Net income | 571,000 | 1,146,000 | 1,740,000 | 2,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,539,000 | 20,799,000 | 21,051,000 | 21,362,000 |
| Total capital | 21,640,000 | 21,875,000 | 22,134,000 | 22,416,000 |
| Risk-weighted assets | 113,187,000 | 112,450,000 | 111,168,000 | 113,751,000 |