Call reports 2002
CITIZENS STATE BANK OF WATERVILLE — 2002
What CITIZENS STATE BANK OF WATERVILLE 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 | 23,056,000 | 23,360,000 | 23,972,000 | 24,476,000 |
| Total loans | 13,631,000 | 13,444,000 | 13,815,000 | 14,946,000 |
| Allowance for loan losses | 155,000 | 168,000 | 174,000 | 148,000 |
| Securities available for sale | 5,286,000 | 5,314,000 | 6,077,000 | 5,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,612,000 | 20,884,000 | 21,271,000 | 21,692,000 |
| Interest-bearing deposits | 17,052,000 | 17,328,000 | 17,699,000 | 16,863,000 |
| Noninterest-bearing deposits | 3,560,000 | 3,556,000 | 3,572,000 | 4,829,000 |
| Equity capital | 2,147,000 | 2,242,000 | 2,390,000 | 2,468,000 |
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 | 376,000 | 738,000 | 1,102,000 | 1,465,000 |
| Interest expense | 110,000 | 213,000 | 320,000 | 419,000 |
| Net interest income | 266,000 | 525,000 | 782,000 | 1,046,000 |
| Noninterest income | 47,000 | 96,000 | 148,000 | 196,000 |
| Noninterest expense | 178,000 | 352,000 | 522,000 | 691,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 129,000 | 257,000 | 390,000 | 558,000 |
| Income tax | 48,000 | 96,000 | 146,000 | 209,000 |
| Net income | 81,000 | 161,000 | 244,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,702,000 | 1,780,000 | 1,863,000 | 1,968,000 |
| Total capital | 1,857,000 | 1,948,000 | 2,037,000 | 2,116,000 |
| Risk-weighted assets | 15,323,000 | 15,405,000 | 15,923,000 | 16,222,000 |