Call reports 2003
CITIZENS STATE BANK OF NEW CASTLE — 2003
What CITIZENS STATE BANK OF NEW CASTLE 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 | 225,109,000 | 226,231,000 | 223,053,000 | 234,209,000 |
| Total loans | 89,045,000 | 91,312,000 | 93,598,000 | 91,825,000 |
| Allowance for loan losses | 1,045,000 | 1,059,000 | 1,083,000 | 1,056,000 |
| Securities available for sale | 89,690,000 | 82,348,000 | 80,783,000 | 99,702,000 |
| Securities held to maturity | 16,720,000 | 16,081,000 | 13,090,000 | 10,789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,211,000 | 200,900,000 | 198,318,000 | 209,518,000 |
| Interest-bearing deposits | 174,697,000 | 174,428,000 | 171,903,000 | 183,318,000 |
| Noninterest-bearing deposits | 25,514,000 | 26,472,000 | 26,415,000 | 26,200,000 |
| Equity capital | 22,523,000 | 22,971,000 | 22,077,000 | 22,271,000 |
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 | 2,654,000 | 5,254,000 | 7,754,000 | 10,291,000 |
| Interest expense | 792,000 | 1,542,000 | 2,225,000 | 2,843,000 |
| Net interest income | 1,862,000 | 3,712,000 | 5,529,000 | 7,448,000 |
| Noninterest income | 523,000 | 1,056,000 | 1,591,000 | 2,108,000 |
| Noninterest expense | 1,674,000 | 3,357,000 | 5,675,000 | 7,285,000 |
| Provision for loan losses | 40,000 | 75,000 | 130,000 | 175,000 |
| Pretax income | 694,000 | 1,385,000 | 1,364,000 | 2,141,000 |
| Income tax | 157,000 | 308,000 | 187,000 | 385,000 |
| Net income | 537,000 | 1,077,000 | 1,177,000 | 1,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,566,000 | 21,773,000 | 21,513,000 | 21,732,000 |
| Total capital | 22,611,000 | 22,832,000 | 22,596,000 | 22,788,000 |
| Risk-weighted assets | 113,554,000 | 115,663,000 | 116,632,000 | 115,727,000 |