Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS STATE BANK 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 | 127,066,000 | 125,413,000 | 126,654,000 | 125,166,000 |
| Total loans | 63,052,000 | 65,147,000 | 63,814,000 | 58,691,000 |
| Allowance for loan losses | 693,000 | 678,000 | 672,000 | 654,000 |
| Securities available for sale | 54,131,000 | 53,788,000 | 54,247,000 | 53,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,711,000 | 109,099,000 | 110,748,000 | 109,345,000 |
| Interest-bearing deposits | 87,108,000 | 87,302,000 | 86,883,000 | 85,117,000 |
| Noninterest-bearing deposits | 23,603,000 | 21,797,000 | 23,865,000 | 24,228,000 |
| Equity capital | 13,338,000 | 13,474,000 | 13,319,000 | 13,148,000 |
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 | 1,513,000 | 3,008,000 | 4,439,000 | 5,874,000 |
| Interest expense | 405,000 | 752,000 | 1,071,000 | 1,359,000 |
| Net interest income | 1,108,000 | 2,256,000 | 3,368,000 | 4,515,000 |
| Noninterest income | 262,000 | 542,000 | 924,000 | 1,292,000 |
| Noninterest expense | 793,000 | 1,644,000 | 2,508,000 | 3,418,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 592,000 | 1,246,000 | 1,929,000 | 2,552,000 |
| Income tax | 183,000 | 386,000 | 600,000 | 726,000 |
| Net income | 409,000 | 860,000 | 1,329,000 | 1,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,451,000 | 12,543,000 | 13,012,000 | 12,789,000 |
| Total capital | 13,144,000 | 13,221,000 | 13,684,000 | 13,443,000 |
| Risk-weighted assets | 57,845,000 | 60,117,000 | 61,209,000 | 61,177,000 |