Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 47,984,000 | 50,914,000 | 61,041,000 | 66,864,000 |
| Total loans | 31,458,000 | 34,311,000 | 38,382,000 | 42,200,000 |
| Allowance for loan losses | 518,000 | 532,000 | 547,000 | 562,000 |
| Securities available for sale | 13,159,000 | 12,808,000 | 14,165,000 | 16,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,487,000 | 39,545,000 | 47,900,000 | 53,842,000 |
| Interest-bearing deposits | 35,258,000 | 36,279,000 | 43,962,000 | 48,515,000 |
| Noninterest-bearing deposits | 3,229,000 | 3,266,000 | 3,938,000 | 5,327,000 |
| Equity capital | 5,245,000 | 5,342,000 | 5,485,000 | 5,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 893,000 | 1,799,000 | 2,756,000 | 3,787,000 |
| Interest expense | 484,000 | 981,000 | 1,516,000 | 2,075,000 |
| Net interest income | 409,000 | 818,000 | 1,240,000 | 1,712,000 |
| Noninterest income | 83,000 | 196,000 | 331,000 | 478,000 |
| Noninterest expense | 350,000 | 737,000 | 1,189,000 | 1,891,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 42,000 |
| Pretax income | 133,000 | 259,000 | 355,000 | 257,000 |
| Income tax | 33,000 | 55,000 | 70,000 | 27,000 |
| Net income | 100,000 | 204,000 | 285,000 | 230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,120,000 | 5,224,000 | 5,306,000 | 5,250,000 |
| Total capital | 5,560,000 | 5,689,000 | 5,853,000 | 5,812,000 |
| Risk-weighted assets | 34,962,000 | 37,142,000 | 43,751,000 | 47,121,000 |