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 | 14,512,000 | 14,270,000 | 14,265,000 | 14,706,000 |
| Total loans | 11,094,000 | 10,955,000 | 12,255,000 | 13,266,000 |
| Allowance for loan losses | 283,000 | 292,000 | 292,000 | 279,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,000 | 20,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,791,000 | 12,515,000 | 12,543,000 | 13,036,000 |
| Interest-bearing deposits | 10,945,000 | 10,717,000 | 10,640,000 | 10,850,000 |
| Noninterest-bearing deposits | 1,846,000 | 1,798,000 | 1,903,000 | 2,186,000 |
| Equity capital | 1,314,000 | 1,381,000 | 1,357,000 | 1,306,000 |
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 | 208,000 | 418,000 | 623,000 | 855,000 |
| Interest expense | 74,000 | 145,000 | 207,000 | 264,000 |
| Net interest income | 134,000 | 273,000 | 416,000 | 591,000 |
| Noninterest income | 22,000 | 46,000 | 69,000 | 93,000 |
| Noninterest expense | 93,000 | 189,000 | 289,000 | 424,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 130,000 | 196,000 | 260,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 63,000 | 130,000 | 196,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,314,000 | 1,381,000 | 1,357,000 | 1,306,000 |
| Total capital | 1,460,000 | 1,529,000 | 1,521,000 | 1,480,000 |
| Risk-weighted assets | 11,867,000 | 11,700,000 | 12,979,000 | 13,860,000 |