Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE 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 | 11,284,000 | 10,735,000 | 11,094,000 | 11,018,000 |
| Total loans | 7,398,000 | 7,239,000 | 7,335,000 | 7,499,000 |
| Allowance for loan losses | 73,000 | 73,000 | 66,000 | 73,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,000 | 18,000 | 17,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,086,000 | 9,529,000 | 9,886,000 | 9,905,000 |
| Interest-bearing deposits | 8,242,000 | 8,153,000 | 8,466,000 | 8,100,000 |
| Noninterest-bearing deposits | 1,844,000 | 1,376,000 | 1,420,000 | 1,805,000 |
| Equity capital | 1,096,000 | 1,110,000 | 1,124,000 | 1,040,000 |
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 | 246,000 | 473,000 | 670,000 | 848,000 |
| Interest expense | 104,000 | 202,000 | 289,000 | 361,000 |
| Net interest income | 142,000 | 271,000 | 381,000 | 487,000 |
| Noninterest income | 17,000 | 33,000 | 44,000 | 58,000 |
| Noninterest expense | 85,000 | 163,000 | 243,000 | 343,000 |
| Provision for loan losses | 0 | 0 | 0 | 79,000 |
| Pretax income | 74,000 | 141,000 | 182,000 | 123,000 |
| Income tax | 7,000 | 10,000 | 12,000 | 12,000 |
| Net income | 67,000 | 131,000 | 170,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,096,000 | 1,110,000 | 1,124,000 | 1,040,000 |
| Total capital | 1,169,000 | 1,183,000 | 1,190,000 | 1,113,000 |
| Risk-weighted assets | 6,637,000 | 6,707,000 | 6,846,000 | 6,916,000 |