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 | 103,912,000 | 107,200,000 | 116,285,000 | 121,383,000 |
| Total loans | 89,906,000 | 93,937,000 | 101,568,000 | 104,421,000 |
| Allowance for loan losses | 1,062,000 | 1,089,000 | 1,107,000 | 1,137,000 |
| Securities available for sale | 4,527,000 | 4,563,000 | 4,628,000 | 4,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,342,000 | 88,426,000 | 103,321,000 | 105,018,000 |
| Interest-bearing deposits | 74,432,000 | 72,494,000 | 82,669,000 | 84,790,000 |
| Noninterest-bearing deposits | 15,910,000 | 15,932,000 | 20,652,000 | 20,228,000 |
| Equity capital | 9,576,000 | 10,067,000 | 10,281,000 | 10,990,000 |
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 | 1,758,000 | 3,525,000 | 5,479,000 | 7,698,000 |
| Interest expense | 480,000 | 923,000 | 1,340,000 | 1,771,000 |
| Net interest income | 1,278,000 | 2,602,000 | 4,139,000 | 5,927,000 |
| Noninterest income | 383,000 | 782,000 | 1,462,000 | 2,037,000 |
| Noninterest expense | 945,000 | 1,876,000 | 2,948,000 | 4,124,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 686,000 | 1,448,000 | 2,563,000 | 3,720,000 |
| Income tax | 266,000 | 561,000 | 986,000 | 1,437,000 |
| Net income | 420,000 | 887,000 | 1,577,000 | 2,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,930,000 | 9,397,000 | 9,602,000 | 10,309,000 |
| Total capital | 9,970,000 | 10,472,000 | 10,709,000 | 11,446,000 |
| Risk-weighted assets | 83,179,000 | 85,957,000 | 91,572,000 | 94,871,000 |