Call reports 2001
CITIZENS STATE BANK OF MILFORD — 2001
What CITIZENS STATE BANK OF MILFORD 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 | 34,020,000 | 34,146,000 | 34,559,000 | 35,492,000 |
| Total loans | 23,185,000 | 22,296,000 | 22,885,000 | 20,342,000 |
| Allowance for loan losses | 171,000 | 171,000 | 166,000 | 166,000 |
| Securities available for sale | 7,934,000 | 7,599,000 | 8,806,000 | 7,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,241,000 | 30,120,000 | 29,505,000 | 31,597,000 |
| Interest-bearing deposits | 26,189,000 | 26,930,000 | 25,895,000 | 27,504,000 |
| Noninterest-bearing deposits | 3,052,000 | 3,190,000 | 3,610,000 | 4,093,000 |
| Equity capital | 3,761,000 | 3,778,000 | 3,825,000 | 3,686,000 |
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 | 672,000 | 1,324,000 | 1,949,000 | 2,526,000 |
| Interest expense | 301,000 | 593,000 | 872,000 | 1,110,000 |
| Net interest income | 371,000 | 731,000 | 1,077,000 | 1,416,000 |
| Noninterest income | 40,000 | 76,000 | 136,000 | 180,000 |
| Noninterest expense | 309,000 | 594,000 | 883,000 | 1,160,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 102,000 | 215,000 | 332,000 | 440,000 |
| Income tax | 0 | 0 | 4,000 | 3,000 |
| Net income | 102,000 | 215,000 | 328,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,645,000 | 3,659,000 | 3,671,000 | 3,581,000 |
| Total capital | 3,816,000 | 3,830,000 | 3,837,000 | 3,747,000 |
| Risk-weighted assets | 26,587,000 | 25,882,000 | 26,216,000 | 24,248,000 |
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