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 | 14,300,000 | 13,162,000 | 13,537,000 | 13,570,000 |
| Total loans | 10,886,000 | 10,198,000 | 10,678,000 | 9,914,000 |
| Allowance for loan losses | 282,000 | 292,000 | 292,000 | 292,000 |
| Securities available for sale | 2,133,000 | 1,833,000 | 1,534,000 | 1,227,000 |
| Securities held to maturity | 20,000 | 20,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,844,000 | 10,804,000 | 10,998,000 | 12,183,000 |
| Interest-bearing deposits | 9,169,000 | 9,132,000 | 9,362,000 | 9,866,000 |
| Noninterest-bearing deposits | 1,675,000 | 1,672,000 | 1,636,000 | 2,317,000 |
| Equity capital | 1,285,000 | 1,319,000 | 1,333,000 | 1,285,000 |
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 | 307,000 | 572,000 | 828,000 | 1,074,000 |
| Interest expense | 150,000 | 264,000 | 368,000 | 458,000 |
| Net interest income | 157,000 | 308,000 | 460,000 | 616,000 |
| Noninterest income | 18,000 | 38,000 | 56,000 | 75,000 |
| Noninterest expense | 102,000 | 198,000 | 301,000 | 441,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 148,000 | 215,000 | 250,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 73,000 | 148,000 | 215,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,251,000 | 1,286,000 | 1,299,000 | 1,257,000 |
| Total capital | 1,393,000 | 1,327,000 | 1,452,000 | 1,405,000 |
| Risk-weighted assets | 11,209,000 | 3,033,000 | 12,061,000 | 11,690,000 |