Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS STATE BANK 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 | 82,661,000 | 83,282,000 | 83,413,000 | 86,139,000 |
| Total loans | 52,710,000 | 53,370,000 | 55,400,000 | 58,645,000 |
| Allowance for loan losses | 684,000 | 711,000 | 735,000 | 756,000 |
| Securities available for sale | 21,923,000 | 23,672,000 | 22,189,000 | 21,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,749,000 | 70,708,000 | 70,032,000 | 72,177,000 |
| Interest-bearing deposits | 62,690,000 | 63,199,000 | 62,642,000 | 63,532,000 |
| Noninterest-bearing deposits | 7,059,000 | 7,509,000 | 7,390,000 | 8,645,000 |
| Equity capital | 6,049,000 | 6,338,000 | 6,379,000 | 6,471,000 |
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 | 1,061,000 | 2,133,000 | 3,217,000 | 4,320,000 |
| Interest expense | 443,000 | 862,000 | 1,256,000 | 1,645,000 |
| Net interest income | 618,000 | 1,271,000 | 1,961,000 | 2,675,000 |
| Noninterest income | 185,000 | 436,000 | 615,000 | 751,000 |
| Noninterest expense | 611,000 | 1,180,000 | 1,787,000 | 2,448,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 172,000 | 475,000 | 707,000 | 866,000 |
| Income tax | 40,000 | 124,000 | 183,000 | 223,000 |
| Net income | 132,000 | 351,000 | 524,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,822,000 | 6,041,000 | 6,214,000 | 6,333,000 |
| Total capital | 6,506,000 | 6,752,000 | 6,949,000 | 7,089,000 |
| Risk-weighted assets | 57,289,000 | 58,238,000 | 60,095,000 | 62,806,000 |