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 | 24,701,000 | 24,987,000 | 25,446,000 | 27,975,000 |
| Total loans | 16,130,000 | 18,452,000 | 20,127,000 | 20,297,000 |
| Allowance for loan losses | 260,000 | 261,000 | 274,000 | 274,000 |
| Securities available for sale | 3,126,000 | 1,929,000 | 1,946,000 | 1,923,000 |
| Securities held to maturity | 827,000 | 827,000 | 827,000 | 816,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,687,000 | 22,340,000 | 23,202,000 | 25,405,000 |
| Interest-bearing deposits | 20,443,000 | 20,300,000 | 20,964,000 | 22,902,000 |
| Noninterest-bearing deposits | 2,244,000 | 2,040,000 | 2,238,000 | 2,503,000 |
| Equity capital | 1,798,000 | 1,888,000 | 1,982,000 | 1,974,000 |
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 | 448,000 | 966,000 | 1,489,000 | 1,986,000 |
| Interest expense | 267,000 | 512,000 | 743,000 | 956,000 |
| Net interest income | 181,000 | 454,000 | 746,000 | 1,030,000 |
| Noninterest income | 73,000 | 120,000 | 173,000 | 229,000 |
| Noninterest expense | 157,000 | 381,000 | 632,000 | 955,000 |
| Provision for loan losses | 0 | 0 | 13,000 | 13,000 |
| Pretax income | 97,000 | 193,000 | 274,000 | 291,000 |
| Income tax | 5,000 | 13,000 | 16,000 | 29,000 |
| Net income | 92,000 | 180,000 | 258,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,735,000 | 1,823,000 | 1,900,000 | 1,907,000 |
| Total capital | 1,930,000 | 2,033,000 | 2,124,000 | 2,143,000 |
| Risk-weighted assets | 15,554,000 | 16,728,000 | 17,909,000 | 18,811,000 |