Call reports 2003
CITIZENS SECURITY BANK — 2003
What CITIZENS SECURITY 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 | 169,581,000 | 163,780,000 | 165,534,000 | 160,757,000 |
| Total loans | 128,672,000 | 126,415,000 | 123,695,000 | 124,134,000 |
| Allowance for loan losses | 2,430,000 | 2,395,000 | 2,179,000 | 2,178,000 |
| Securities available for sale | 24,743,000 | 24,057,000 | 23,330,000 | 24,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,778,000 | 134,486,000 | 135,324,000 | 129,923,000 |
| Interest-bearing deposits | 112,577,000 | 113,524,000 | 114,993,000 | 111,619,000 |
| Noninterest-bearing deposits | 22,201,000 | 20,962,000 | 20,331,000 | 18,304,000 |
| Equity capital | 14,357,000 | 15,170,000 | 15,604,000 | 16,379,000 |
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 | 2,552,000 | 4,942,000 | 7,297,000 | 9,556,000 |
| Interest expense | 689,000 | 1,337,000 | 1,930,000 | 2,449,000 |
| Net interest income | 1,863,000 | 3,605,000 | 5,367,000 | 7,107,000 |
| Noninterest income | 495,000 | 976,000 | 1,482,000 | 2,282,000 |
| Noninterest expense | 1,231,000 | 2,375,000 | 3,559,000 | 4,695,000 |
| Provision for loan losses | 248,000 | 211,000 | 519,000 | 676,000 |
| Pretax income | 885,000 | 2,004,000 | 2,780,000 | 4,028,000 |
| Income tax | 296,000 | 671,000 | 932,000 | 1,346,000 |
| Net income | 589,000 | 1,333,000 | 1,848,000 | 2,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,924,000 | 12,673,000 | 13,224,000 | 14,028,000 |
| Total capital | 13,546,000 | 14,264,000 | 14,809,000 | 15,667,000 |
| Risk-weighted assets | 128,951,000 | 126,473,000 | 126,182,000 | 130,583,000 |