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 | 131,452,000 | 135,559,000 | 135,993,000 | 134,036,000 |
| Total loans | 82,443,000 | 85,582,000 | 85,972,000 | 83,861,000 |
| Allowance for loan losses | 1,062,000 | 1,074,000 | 1,067,000 | 1,061,000 |
| Securities available for sale | 31,408,000 | 32,894,000 | 36,180,000 | 37,878,000 |
| Securities held to maturity | 0 | 0 | 248,000 | 318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,108,000 | 115,932,000 | 115,378,000 | 113,794,000 |
| Interest-bearing deposits | 100,879,000 | 102,625,000 | 105,229,000 | 103,278,000 |
| Noninterest-bearing deposits | 11,228,000 | 13,308,000 | 10,149,000 | 10,516,000 |
| Equity capital | 13,162,000 | 13,583,000 | 13,521,000 | 13,732,000 |
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 | 1,784,000 | 3,545,000 | 5,276,000 | 7,041,000 |
| Interest expense | 740,000 | 1,455,000 | 2,140,000 | 2,799,000 |
| Net interest income | 1,044,000 | 2,090,000 | 3,136,000 | 4,242,000 |
| Noninterest income | 259,000 | 500,000 | 702,000 | 838,000 |
| Noninterest expense | 722,000 | 1,487,000 | 2,201,000 | 2,983,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 135,000 |
| Pretax income | 563,000 | 1,055,000 | 1,561,000 | 1,981,000 |
| Income tax | 169,000 | 308,000 | 462,000 | 574,000 |
| Net income | 394,000 | 747,000 | 1,099,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,732,000 | 10,961,000 | 11,187,000 | 11,439,000 |
| Total capital | 11,794,000 | 12,035,000 | 12,254,000 | 12,500,000 |
| Risk-weighted assets | 95,736,000 | 96,920,000 | 97,730,000 | 95,987,000 |