Call reports 2001
CITIZENS STATE BANK OF WATERVILLE — 2001
What CITIZENS STATE BANK OF WATERVILLE 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 | 23,188,000 | 23,519,000 | 23,593,000 | 23,450,000 |
| Total loans | 14,255,000 | 14,337,000 | 14,147,000 | 13,440,000 |
| Allowance for loan losses | 153,000 | 158,000 | 167,000 | 150,000 |
| Securities available for sale | 5,674,000 | 5,072,000 | 5,083,000 | 4,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,616,000 | 20,963,000 | 20,864,000 | 20,747,000 |
| Interest-bearing deposits | 17,494,000 | 17,767,000 | 17,667,000 | 17,270,000 |
| Noninterest-bearing deposits | 3,122,000 | 3,196,000 | 3,197,000 | 3,477,000 |
| Equity capital | 2,276,000 | 2,216,000 | 2,330,000 | 2,380,000 |
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 | 436,000 | 878,000 | 1,305,000 | 1,708,000 |
| Interest expense | 182,000 | 354,000 | 518,000 | 652,000 |
| Net interest income | 254,000 | 524,000 | 787,000 | 1,056,000 |
| Noninterest income | 47,000 | 88,000 | 131,000 | 181,000 |
| Noninterest expense | 183,000 | 363,000 | 538,000 | 717,000 |
| Provision for loan losses | 2,000 | 8,000 | 14,000 | 20,000 |
| Pretax income | 116,000 | 241,000 | 366,000 | 500,000 |
| Income tax | 47,000 | 98,000 | 151,000 | 208,000 |
| Net income | 69,000 | 143,000 | 215,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,780,000 | 1,737,000 | 1,818,000 | 1,906,000 |
| Total capital | 1,933,000 | 1,895,000 | 1,985,000 | 2,056,000 |
| Risk-weighted assets | 14,489,000 | 15,742,000 | 15,806,000 | 14,688,000 |