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 | 29,051,000 | 27,442,000 | 26,758,000 | 26,708,000 |
| Total loans | 20,026,000 | 21,976,000 | 22,784,000 | 22,604,000 |
| Allowance for loan losses | 274,000 | 548,000 | 548,000 | 526,000 |
| Securities available for sale | 1,306,000 | 1,131,000 | 1,126,000 | 995,000 |
| Securities held to maturity | 816,000 | 891,000 | 616,000 | 616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,388,000 | 23,744,000 | 22,940,000 | 23,276,000 |
| Interest-bearing deposits | 23,710,000 | 21,352,000 | 20,099,000 | 20,520,000 |
| Noninterest-bearing deposits | 2,678,000 | 2,392,000 | 2,841,000 | 2,756,000 |
| Equity capital | 2,069,000 | 1,728,000 | 1,793,000 | 1,878,000 |
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 | 459,000 | 931,000 | 1,424,000 | 1,899,000 |
| Interest expense | 191,000 | 356,000 | 514,000 | 665,000 |
| Net interest income | 268,000 | 575,000 | 910,000 | 1,234,000 |
| Noninterest income | 43,000 | 88,000 | 140,000 | 182,000 |
| Noninterest expense | 173,000 | 412,000 | 694,000 | 949,000 |
| Provision for loan losses | 0 | 275,000 | 274,000 | 274,000 |
| Pretax income | 129,000 | -34,000 | 68,000 | 179,000 |
| Income tax | 13,000 | 26,000 | 26,000 | 43,000 |
| Net income | 116,000 | -60,000 | 42,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,020,000 | 1,673,000 | 1,739,000 | 1,833,000 |
| Total capital | 2,258,000 | 1,926,000 | 1,991,000 | 2,086,000 |
| Risk-weighted assets | 19,041,000 | 19,950,000 | 19,886,000 | 19,937,000 |