Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS STATE 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 | 10,571,000 | 10,846,000 | 10,973,000 | 11,683,000 |
| Total loans | 6,627,000 | 6,758,000 | 6,580,000 | 7,093,000 |
| Allowance for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,000 | 503,000 | 486,000 | 445,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,452,000 | 9,710,000 | 9,840,000 | 10,487,000 |
| Interest-bearing deposits | 7,805,000 | 7,983,000 | 7,896,000 | 8,331,000 |
| Noninterest-bearing deposits | 1,647,000 | 1,727,000 | 1,944,000 | 2,156,000 |
| Equity capital | 1,053,000 | 1,073,000 | 1,080,000 | 1,071,000 |
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 | 144,000 | 285,000 | 426,000 | 573,000 |
| Interest expense | 58,000 | 111,000 | 162,000 | 206,000 |
| Net interest income | 86,000 | 174,000 | 264,000 | 367,000 |
| Noninterest income | 14,000 | 42,000 | 53,000 | 62,000 |
| Noninterest expense | 86,000 | 171,000 | 254,000 | 375,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 14,000 | 45,000 | 63,000 | 54,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | 13,000 | 43,000 | 60,000 | 51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,053,000 | 1,073,000 | 1,080,000 | 1,071,000 |
| Total capital | 1,128,000 | 1,148,000 | 1,155,000 | 1,146,000 |
| Risk-weighted assets | 6,168,000 | 6,493,000 | 6,407,000 | 6,608,000 |