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 | 119,107,000 | 122,033,000 | 125,742,000 | 129,258,000 |
| Total loans | 75,527,000 | 79,555,000 | 80,629,000 | 81,374,000 |
| Allowance for loan losses | 946,000 | 976,000 | 978,000 | 1,030,000 |
| Securities available for sale | 32,317,000 | 29,056,000 | 30,767,000 | 33,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,675,000 | 105,101,000 | 109,170,000 | 111,020,000 |
| Interest-bearing deposits | 94,052,000 | 95,171,000 | 96,138,000 | 98,791,000 |
| Noninterest-bearing deposits | 8,623,000 | 9,930,000 | 13,032,000 | 12,229,000 |
| Equity capital | 11,750,000 | 12,352,000 | 12,741,000 | 13,046,000 |
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 | 1,868,000 | 3,709,000 | 5,541,000 | 7,369,000 |
| Interest expense | 901,000 | 1,714,000 | 2,523,000 | 3,303,000 |
| Net interest income | 967,000 | 1,995,000 | 3,018,000 | 4,066,000 |
| Noninterest income | 167,000 | 307,000 | 516,000 | 744,000 |
| Noninterest expense | 717,000 | 1,465,000 | 2,174,000 | 2,894,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 160,000 |
| Pretax income | 389,000 | 785,000 | 1,281,000 | 1,774,000 |
| Income tax | 93,000 | 196,000 | 344,000 | 480,000 |
| Net income | 296,000 | 589,000 | 937,000 | 1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,765,000 | 10,022,000 | 10,291,000 | 10,515,000 |
| Total capital | 10,711,000 | 10,998,000 | 11,268,000 | 11,545,000 |
| Risk-weighted assets | 85,816,000 | 89,124,000 | 91,669,000 | 92,597,000 |