Call reports 2003
CITIZENS STATE BANK OF SHAKOPEE — 2003
What CITIZENS STATE BANK OF SHAKOPEE 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 | 22,504,000 | 23,005,000 | 22,051,000 | 22,759,000 |
| Total loans | 7,570,000 | 8,290,000 | 8,880,000 | 8,900,000 |
| Allowance for loan losses | 297,000 | 297,000 | 297,000 | 294,000 |
| Securities available for sale | 7,270,000 | 5,368,000 | 6,066,000 | 10,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,089,000 | 20,605,000 | 19,167,000 | 19,900,000 |
| Interest-bearing deposits | 14,703,000 | 14,746,000 | 13,814,000 | 14,169,000 |
| Noninterest-bearing deposits | 5,386,000 | 5,859,000 | 5,353,000 | 5,731,000 |
| Equity capital | 2,287,000 | 2,299,000 | 2,279,000 | 2,295,000 |
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 | 224,000 | 444,000 | 657,000 | 878,000 |
| Interest expense | 49,000 | 98,000 | 149,000 | 200,000 |
| Net interest income | 175,000 | 346,000 | 508,000 | 678,000 |
| Noninterest income | 45,000 | 90,000 | 133,000 | 180,000 |
| Noninterest expense | 199,000 | 394,000 | 591,000 | 790,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 21,000 | 42,000 | 50,000 | 68,000 |
| Income tax | 7,000 | 14,000 | 16,000 | 22,000 |
| Net income | 14,000 | 28,000 | 34,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,213,000 | 2,227,000 | 2,233,000 | 2,246,000 |
| Total capital | 2,355,000 | 2,378,000 | 2,387,000 | 2,397,000 |
| Risk-weighted assets | 11,183,000 | 11,957,000 | 12,191,000 | 11,908,000 |