Call reports 2001
CITIZENS SECURITY BANK — 2001
What CITIZENS SECURITY 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 | 139,250,000 | 138,044,000 | 149,851,000 | 155,056,000 |
| Total loans | 90,554,000 | 98,215,000 | 101,484,000 | 109,417,000 |
| Allowance for loan losses | 1,668,000 | 1,658,000 | 1,663,000 | 1,705,000 |
| Securities available for sale | 26,525,000 | 25,003,000 | 24,230,000 | 23,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,830,000 | 113,097,000 | 118,645,000 | 125,179,000 |
| Interest-bearing deposits | 99,468,000 | 99,234,000 | 101,522,000 | 106,430,000 |
| Noninterest-bearing deposits | 15,362,000 | 13,863,000 | 17,123,000 | 18,749,000 |
| Equity capital | 12,625,000 | 13,039,000 | 13,675,000 | 13,956,000 |
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 | 2,803,000 | 5,601,000 | 8,340,000 | 11,124,000 |
| Interest expense | 1,354,000 | 2,632,000 | 3,799,000 | 4,835,000 |
| Net interest income | 1,449,000 | 2,969,000 | 4,541,000 | 6,289,000 |
| Noninterest income | 363,000 | 714,000 | 1,090,000 | 1,523,000 |
| Noninterest expense | 1,267,000 | 2,523,000 | 3,753,000 | 5,038,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 250,000 |
| Pretax income | 500,000 | 1,070,000 | 1,745,000 | 2,674,000 |
| Income tax | 138,000 | 297,000 | 487,000 | 773,000 |
| Net income | 362,000 | 773,000 | 1,258,000 | 1,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,198,000 | 10,656,000 | 10,956,000 | 11,388,000 |
| Total capital | 11,330,000 | 11,937,000 | 12,296,000 | 12,804,000 |
| Risk-weighted assets | 90,015,000 | 102,100,000 | 106,842,000 | 113,011,000 |