Call reports 2003
CITIZENS STATE BANK OF MILFORD — 2003
What CITIZENS STATE BANK OF MILFORD 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 | 35,097,000 | 34,721,000 | 34,916,000 | 36,540,000 |
| Total loans | 21,526,000 | 20,426,000 | 20,025,000 | 20,234,000 |
| Allowance for loan losses | 136,000 | 126,000 | 125,000 | 111,000 |
| Securities available for sale | 8,757,000 | 9,336,000 | 10,695,000 | 10,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,179,000 | 30,717,000 | 31,037,000 | 32,735,000 |
| Interest-bearing deposits | 28,019,000 | 27,439,000 | 27,988,000 | 27,639,000 |
| Noninterest-bearing deposits | 3,160,000 | 3,278,000 | 3,049,000 | 5,096,000 |
| Equity capital | 3,771,000 | 3,897,000 | 3,773,000 | 3,721,000 |
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 | 438,000 | 884,000 | 1,305,000 | 1,741,000 |
| Interest expense | 176,000 | 338,000 | 478,000 | 608,000 |
| Net interest income | 262,000 | 546,000 | 827,000 | 1,133,000 |
| Noninterest income | 43,000 | 85,000 | 134,000 | 179,000 |
| Noninterest expense | 290,000 | 556,000 | 831,000 | 1,145,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 15,000 | 75,000 | 130,000 | 167,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 15,000 | 75,000 | 130,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,627,000 | 3,686,000 | 3,688,000 | 3,624,000 |
| Total capital | 3,763,000 | 3,812,000 | 3,813,000 | 3,735,000 |
| Risk-weighted assets | 24,919,000 | 23,838,000 | 23,665,000 | 24,070,000 |
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