Call reports 2002
CITIZENS SECURITY BANK — 2002
What CITIZENS SECURITY 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 | 150,109,000 | 153,522,000 | 159,029,000 | 169,484,000 |
| Total loans | 116,544,000 | 122,198,000 | 127,002,000 | 123,838,000 |
| Allowance for loan losses | 1,829,000 | 1,872,000 | 1,974,000 | 2,216,000 |
| Securities available for sale | 20,367,000 | 19,287,000 | 12,862,000 | 20,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,138,000 | 119,045,000 | 122,179,000 | 126,914,000 |
| Interest-bearing deposits | 98,988,000 | 99,606,000 | 102,198,000 | 106,670,000 |
| Noninterest-bearing deposits | 18,150,000 | 19,439,000 | 19,981,000 | 20,244,000 |
| Equity capital | 13,916,000 | 14,647,000 | 15,221,000 | 15,799,000 |
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 | 2,691,000 | 5,350,000 | 8,059,000 | 10,849,000 |
| Interest expense | 796,000 | 1,513,000 | 2,252,000 | 3,004,000 |
| Net interest income | 1,895,000 | 3,837,000 | 5,807,000 | 7,845,000 |
| Noninterest income | 469,000 | 944,000 | 1,433,000 | 1,943,000 |
| Noninterest expense | 1,443,000 | 2,875,000 | 4,266,000 | 5,575,000 |
| Provision for loan losses | 142,000 | 280,000 | 518,000 | 796,000 |
| Pretax income | 779,000 | 1,627,000 | 2,679,000 | 3,640,000 |
| Income tax | 268,000 | 563,000 | 924,000 | 1,272,000 |
| Net income | 511,000 | 1,064,000 | 1,755,000 | 2,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,325,000 | 11,928,000 | 12,660,000 | 13,328,000 |
| Total capital | 12,788,000 | 13,467,000 | 14,229,000 | 14,899,000 |
| Risk-weighted assets | 116,684,000 | 122,814,000 | 125,086,000 | 125,021,000 |