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 | 121,288,000 | 122,784,000 | 119,825,000 | 123,930,000 |
| Total loans | 70,550,000 | 72,750,000 | 75,455,000 | 73,709,000 |
| Allowance for loan losses | 790,000 | 834,000 | 882,000 | 913,000 |
| Securities available for sale | 36,811,000 | 34,292,000 | 31,749,000 | 35,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,210,000 | 106,740,000 | 103,583,000 | 107,595,000 |
| Interest-bearing deposits | 96,585,000 | 99,717,000 | 95,828,000 | 97,356,000 |
| Noninterest-bearing deposits | 7,625,000 | 7,023,000 | 7,755,000 | 10,239,000 |
| Equity capital | 11,546,000 | 11,632,000 | 11,730,000 | 11,655,000 |
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 | 2,178,000 | 4,393,000 | 6,520,000 | 8,504,000 |
| Interest expense | 1,281,000 | 2,503,000 | 3,686,000 | 4,753,000 |
| Net interest income | 897,000 | 1,890,000 | 2,834,000 | 3,751,000 |
| Noninterest income | 185,000 | 347,000 | 533,000 | 794,000 |
| Noninterest expense | 705,000 | 1,453,000 | 2,173,000 | 2,944,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 337,000 | 707,000 | 1,073,000 | 1,437,000 |
| Income tax | 76,000 | 169,000 | 255,000 | 353,000 |
| Net income | 261,000 | 538,000 | 818,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,292,000 | 9,491,000 | 9,353,000 | 9,586,000 |
| Total capital | 10,085,000 | 10,325,000 | 10,236,000 | 10,499,000 |
| Risk-weighted assets | 83,328,000 | 84,275,000 | 87,282,000 | 85,403,000 |