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 | 121,129,000 | 130,052,000 | 130,121,000 | 123,657,000 |
| Total loans | 106,502,000 | 112,354,000 | 109,483,000 | 110,196,000 |
| Allowance for loan losses | 1,200,000 | 1,255,000 | 1,305,000 | 1,368,000 |
| Securities available for sale | 4,522,000 | 4,322,000 | 4,469,000 | 5,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,112,000 | 112,175,000 | 117,919,000 | 111,101,000 |
| Interest-bearing deposits | 84,494,000 | 87,403,000 | 95,867,000 | 87,378,000 |
| Noninterest-bearing deposits | 22,618,000 | 24,772,000 | 22,052,000 | 23,723,000 |
| Equity capital | 10,891,000 | 11,819,000 | 11,623,000 | 11,988,000 |
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 | 1,936,000 | 4,105,000 | 6,323,000 | 8,313,000 |
| Interest expense | 375,000 | 732,000 | 1,081,000 | 1,397,000 |
| Net interest income | 1,561,000 | 3,373,000 | 5,242,000 | 6,916,000 |
| Noninterest income | 693,000 | 1,304,000 | 1,938,000 | 2,189,000 |
| Noninterest expense | 1,132,000 | 2,224,000 | 3,720,000 | 4,938,000 |
| Provision for loan losses | 60,000 | 120,000 | 200,000 | 260,000 |
| Pretax income | 1,062,000 | 2,333,000 | 3,260,000 | 3,907,000 |
| Income tax | 417,000 | 417,000 | 417,000 | 431,000 |
| Net income | 645,000 | 1,916,000 | 2,843,000 | 3,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,199,000 | 11,127,000 | 10,934,000 | 11,299,000 |
| Total capital | 11,399,000 | 12,382,000 | 12,239,000 | 12,632,000 |
| Risk-weighted assets | 96,466,000 | 102,820,000 | 106,007,000 | 106,575,000 |