Call reports 2002
CITIZENS STATE BANK OF SHAKOPEE — 2002
What CITIZENS STATE BANK OF SHAKOPEE 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 | 22,599,000 | 24,082,000 | 22,476,000 | 22,726,000 |
| Total loans | 6,928,000 | 7,906,000 | 7,070,000 | 7,166,000 |
| Allowance for loan losses | 298,000 | 298,000 | 298,000 | 297,000 |
| Securities available for sale | 8,245,000 | 7,431,000 | 7,352,000 | 8,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,256,000 | 21,666,000 | 20,014,000 | 20,289,000 |
| Interest-bearing deposits | 15,229,000 | 16,040,000 | 15,360,000 | 14,727,000 |
| Noninterest-bearing deposits | 5,027,000 | 5,626,000 | 4,654,000 | 5,562,000 |
| Equity capital | 2,183,000 | 2,271,000 | 2,309,000 | 2,315,000 |
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 | 248,000 | 516,000 | 765,000 | 995,000 |
| Interest expense | 89,000 | 162,000 | 231,000 | 295,000 |
| Net interest income | 159,000 | 354,000 | 534,000 | 700,000 |
| Noninterest income | 37,000 | 73,000 | 114,000 | 158,000 |
| Noninterest expense | 180,000 | 351,000 | 541,000 | 735,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 76,000 | 107,000 | 123,000 |
| Income tax | 5,000 | 27,000 | 38,000 | 43,000 |
| Net income | 11,000 | 49,000 | 69,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,163,000 | 2,201,000 | 2,221,000 | 2,232,000 |
| Total capital | 2,301,000 | 2,349,000 | 2,354,000 | 2,368,000 |
| Risk-weighted assets | 10,903,000 | 11,727,000 | 10,513,000 | 10,743,000 |