Call reports 2003
CITIZENS 1ST BANK — 2003
What CITIZENS 1ST 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 | 582,901,000 | 577,404,000 | 583,767,000 | 606,091,000 |
| Total loans | 215,553,000 | 203,711,000 | 196,760,000 | 196,678,000 |
| Allowance for loan losses | 451,000 | 451,000 | 460,000 | 538,000 |
| Securities available for sale | 338,250,000 | 341,913,000 | 366,112,000 | 384,144,000 |
| Securities held to maturity | 469,000 | 469,000 | 469,000 | 469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,720,000 | 277,189,000 | 264,910,000 | 270,527,000 |
| Interest-bearing deposits | 265,299,000 | 257,633,000 | 244,258,000 | 246,014,000 |
| Noninterest-bearing deposits | 18,421,000 | 19,556,000 | 20,652,000 | 24,513,000 |
| Equity capital | 85,894,000 | 88,427,000 | 85,739,000 | 89,085,000 |
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 | 8,134,000 | 15,978,000 | 23,999,000 | 32,829,000 |
| Interest expense | 4,702,000 | 9,115,000 | 13,328,000 | 17,453,000 |
| Net interest income | 3,432,000 | 6,863,000 | 10,671,000 | 15,376,000 |
| Noninterest income | 274,000 | 561,000 | 798,000 | 1,042,000 |
| Noninterest expense | 1,358,000 | 2,682,000 | 4,074,000 | 5,646,000 |
| Provision for loan losses | 0 | 0 | 0 | 125,000 |
| Pretax income | 2,348,000 | 4,742,000 | 7,395,000 | 10,647,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,348,000 | 4,742,000 | 7,395,000 | 10,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,710,000 | 78,952,000 | 80,447,000 | 82,145,000 |
| Total capital | 78,161,000 | 79,403,000 | 80,908,000 | 82,683,000 |
| Risk-weighted assets | 231,273,000 | 224,026,000 | 225,072,000 | 233,438,000 |