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 | 92,939,000 | 100,174,000 | 103,729,000 | 102,999,000 |
| Total loans | 79,752,000 | 86,264,000 | 90,285,000 | 89,598,000 |
| Allowance for loan losses | 936,000 | 966,000 | 994,000 | 1,032,000 |
| Securities available for sale | 4,185,000 | 4,235,000 | 4,179,000 | 4,410,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,536,000 | 83,068,000 | 86,943,000 | 87,769,000 |
| Interest-bearing deposits | 63,079,000 | 67,843,000 | 70,669,000 | 70,976,000 |
| Noninterest-bearing deposits | 13,457,000 | 15,225,000 | 16,274,000 | 16,793,000 |
| Equity capital | 8,689,000 | 9,169,000 | 9,238,000 | 9,728,000 |
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 | 1,903,000 | 3,826,000 | 5,783,000 | 7,717,000 |
| Interest expense | 823,000 | 1,566,000 | 2,224,000 | 2,864,000 |
| Net interest income | 1,080,000 | 2,260,000 | 3,559,000 | 4,853,000 |
| Noninterest income | 300,000 | 769,000 | 1,158,000 | 1,737,000 |
| Noninterest expense | 795,000 | 1,627,000 | 2,454,000 | 3,442,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 206,000 |
| Pretax income | 555,000 | 1,342,000 | 2,173,000 | 2,942,000 |
| Income tax | 216,000 | 522,000 | 847,000 | 1,115,000 |
| Net income | 339,000 | 820,000 | 1,326,000 | 1,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,964,000 | 8,461,000 | 8,534,000 | 9,051,000 |
| Total capital | 8,870,000 | 9,426,000 | 9,528,000 | 10,083,000 |
| Risk-weighted assets | 72,295,000 | 77,182,000 | 80,995,000 | 83,142,000 |