Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE BANK 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 | 105,185,000 | 104,464,000 | 104,479,000 | 109,249,000 |
| Total loans | 50,598,000 | 52,242,000 | 55,106,000 | 50,559,000 |
| Allowance for loan losses | 692,000 | 696,000 | 693,000 | 692,000 |
| Securities available for sale | 43,240,000 | 38,477,000 | 39,542,000 | 41,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,681,000 | 90,718,000 | 89,895,000 | 94,694,000 |
| Interest-bearing deposits | 74,387,000 | 73,731,000 | 72,760,000 | 76,480,000 |
| Noninterest-bearing deposits | 17,294,000 | 16,987,000 | 17,135,000 | 18,214,000 |
| Equity capital | 11,235,000 | 11,308,000 | 11,877,000 | 11,446,000 |
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 | 1,816,000 | 3,606,000 | 5,312,000 | 6,965,000 |
| Interest expense | 860,000 | 1,659,000 | 2,398,000 | 3,046,000 |
| Net interest income | 956,000 | 1,947,000 | 2,914,000 | 3,919,000 |
| Noninterest income | 304,000 | 613,000 | 935,000 | 1,345,000 |
| Noninterest expense | 771,000 | 1,520,000 | 2,278,000 | 3,193,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 512,000 | 1,093,000 | 1,624,000 | 2,166,000 |
| Income tax | 156,000 | 338,000 | 504,000 | 662,000 |
| Net income | 356,000 | 755,000 | 1,120,000 | 1,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,982,000 | 11,090,000 | 11,454,000 | 11,239,000 |
| Total capital | 11,661,000 | 11,730,000 | 12,106,000 | 11,919,000 |
| Risk-weighted assets | 54,218,000 | 51,088,000 | 52,118,000 | 54,318,000 |