Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS STATE BANK 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 | 69,693,000 | 73,148,000 | 75,538,000 | 80,175,000 |
| Total loans | 43,864,000 | 45,336,000 | 48,454,000 | 49,375,000 |
| Allowance for loan losses | 553,000 | 580,000 | 617,000 | 649,000 |
| Securities available for sale | 18,552,000 | 20,306,000 | 18,734,000 | 20,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,269,000 | 60,296,000 | 62,380,000 | 66,958,000 |
| Interest-bearing deposits | 52,774,000 | 55,000,000 | 56,583,000 | 59,721,000 |
| Noninterest-bearing deposits | 4,495,000 | 5,296,000 | 5,797,000 | 7,237,000 |
| Equity capital | 5,364,000 | 5,628,000 | 5,854,000 | 5,947,000 |
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 | 1,031,000 | 2,120,000 | 3,235,000 | 4,329,000 |
| Interest expense | 500,000 | 994,000 | 1,471,000 | 1,936,000 |
| Net interest income | 531,000 | 1,126,000 | 1,764,000 | 2,393,000 |
| Noninterest income | 129,000 | 272,000 | 455,000 | 630,000 |
| Noninterest expense | 566,000 | 1,126,000 | 1,679,000 | 2,346,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 67,000 | 215,000 | 465,000 | 572,000 |
| Income tax | 3,000 | 38,000 | 117,000 | 132,000 |
| Net income | 64,000 | 177,000 | 348,000 | 440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,314,000 | 5,427,000 | 5,599,000 | 5,700,000 |
| Total capital | 5,867,000 | 6,007,000 | 6,217,000 | 6,347,000 |
| Risk-weighted assets | 48,280,000 | 50,579,000 | 53,710,000 | 55,331,000 |