Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS STATE 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 | 8,718,000 | 8,232,000 | 8,331,000 | 8,523,000 |
| Total loans | 3,934,000 | 4,059,000 | 4,239,000 | 4,116,000 |
| Allowance for loan losses | 75,000 | 75,000 | 75,000 | 91,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 408,000 | 361,000 | 311,000 | 293,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,836,000 | 6,858,000 | 6,936,000 | 7,150,000 |
| Interest-bearing deposits | 5,549,000 | 5,799,000 | 5,497,000 | 5,734,000 |
| Noninterest-bearing deposits | 1,287,000 | 1,059,000 | 1,439,000 | 1,416,000 |
| Equity capital | 1,703,000 | 1,202,000 | 1,223,000 | 1,208,000 |
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 | 115,000 | 201,000 | 288,000 | 370,000 |
| Interest expense | 32,000 | 56,000 | 78,000 | 97,000 |
| Net interest income | 83,000 | 145,000 | 210,000 | 273,000 |
| Noninterest income | 764,000 | 771,000 | 788,000 | 800,000 |
| Noninterest expense | 74,000 | 131,000 | 183,000 | 265,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 773,000 | 785,000 | 815,000 | 808,000 |
| Income tax | 121,000 | 122,000 | 123,000 | 123,000 |
| Net income | 652,000 | 663,000 | 692,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,703,000 | 1,202,000 | 1,223,000 | 1,208,000 |
| Total capital | 1,752,000 | 1,252,000 | 1,271,000 | 1,254,000 |
| Risk-weighted assets | 3,864,000 | 3,955,000 | 3,809,000 | 3,658,000 |