Call reports 2002
CITIZENS 1ST BANK — 2002
What CITIZENS 1ST 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 | 566,808,000 | 567,558,000 | 573,980,000 | 601,187,000 |
| Total loans | 219,094,000 | 228,629,000 | 222,019,000 | 224,378,000 |
| Allowance for loan losses | 443,000 | 445,000 | 446,000 | 445,000 |
| Securities available for sale | 319,316,000 | 315,921,000 | 329,985,000 | 346,421,000 |
| Securities held to maturity | 469,000 | 469,000 | 469,000 | 469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,673,000 | 280,731,000 | 276,135,000 | 293,467,000 |
| Interest-bearing deposits | 261,556,000 | 261,511,000 | 256,355,000 | 267,902,000 |
| Noninterest-bearing deposits | 19,117,000 | 19,220,000 | 19,780,000 | 25,565,000 |
| Equity capital | 76,770,000 | 80,007,000 | 82,955,000 | 84,776,000 |
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 | 9,920,000 | 19,799,000 | 29,453,000 | 38,187,000 |
| Interest expense | 5,358,000 | 10,445,000 | 15,435,000 | 20,363,000 |
| Net interest income | 4,562,000 | 9,354,000 | 14,018,000 | 17,824,000 |
| Noninterest income | 157,000 | 327,000 | 498,000 | 3,236,000 |
| Noninterest expense | 1,287,000 | 2,911,000 | 4,270,000 | 5,844,000 |
| Provision for loan losses | 0 | 0 | 178,000 | 245,000 |
| Pretax income | 3,432,000 | 6,770,000 | 10,068,000 | 15,011,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,432,000 | 6,770,000 | 10,068,000 | 15,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,996,000 | 72,334,000 | 74,067,000 | 76,509,000 |
| Total capital | 72,439,000 | 72,779,000 | 74,513,000 | 76,954,000 |
| Risk-weighted assets | 225,301,000 | 230,826,000 | 229,811,000 | 239,385,000 |