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 | 13,577,000 | 13,337,000 | 14,645,000 | 14,691,000 |
| Total loans | 10,415,000 | 11,249,000 | 12,955,000 | 11,448,000 |
| Allowance for loan losses | 294,000 | 259,000 | 267,000 | 283,000 |
| Securities available for sale | 914,000 | 607,000 | 302,000 | 0 |
| Securities held to maturity | 20,000 | 20,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,164,000 | 11,936,000 | 12,143,000 | 12,994,000 |
| Interest-bearing deposits | 10,733,000 | 10,528,000 | 10,722,000 | 11,087,000 |
| Noninterest-bearing deposits | 1,431,000 | 1,408,000 | 1,421,000 | 1,907,000 |
| Equity capital | 1,315,000 | 1,332,000 | 1,333,000 | 1,281,000 |
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 | 223,000 | 443,000 | 679,000 | 910,000 |
| Interest expense | 79,000 | 153,000 | 227,000 | 304,000 |
| Net interest income | 144,000 | 290,000 | 452,000 | 606,000 |
| Noninterest income | 21,000 | 41,000 | 61,000 | 83,000 |
| Noninterest expense | 91,000 | 188,000 | 302,000 | 426,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 143,000 | 211,000 | 263,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 74,000 | 143,000 | 211,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,301,000 | 1,325,000 | 1,331,000 | 1,281,000 |
| Total capital | 1,440,000 | 1,474,000 | 1,503,000 | 1,439,000 |
| Risk-weighted assets | 10,957,000 | 11,827,000 | 13,622,000 | 12,397,000 |