Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS STATE BANK 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 | 112,273,000 | 114,585,000 | 120,438,000 | 122,330,000 |
| Total loans | 60,218,000 | 60,024,000 | 59,341,000 | 52,822,000 |
| Allowance for loan losses | 688,000 | 690,000 | 688,000 | 697,000 |
| Securities available for sale | 44,152,000 | 47,558,000 | 53,853,000 | 51,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,413,000 | 98,679,000 | 103,733,000 | 106,138,000 |
| Interest-bearing deposits | 78,360,000 | 79,422,000 | 82,626,000 | 84,472,000 |
| Noninterest-bearing deposits | 19,053,000 | 19,257,000 | 21,107,000 | 21,666,000 |
| Equity capital | 11,765,000 | 12,269,000 | 13,040,000 | 12,793,000 |
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 | 1,618,000 | 3,304,000 | 4,904,000 | 6,458,000 |
| Interest expense | 549,000 | 1,055,000 | 1,531,000 | 1,984,000 |
| Net interest income | 1,069,000 | 2,249,000 | 3,373,000 | 4,474,000 |
| Noninterest income | 246,000 | 536,000 | 932,000 | 1,299,000 |
| Noninterest expense | 767,000 | 1,586,000 | 2,425,000 | 3,319,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 554,000 | 1,281,000 | 1,960,000 | 2,540,000 |
| Income tax | 174,000 | 399,000 | 610,000 | 725,000 |
| Net income | 380,000 | 882,000 | 1,350,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,619,000 | 11,795,000 | 12,263,000 | 12,043,000 |
| Total capital | 12,307,000 | 12,479,000 | 12,951,000 | 12,733,000 |
| Risk-weighted assets | 55,155,000 | 54,689,000 | 55,398,000 | 55,164,000 |