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 | 26,130,000 | 25,089,000 | 26,671,000 | 26,978,000 |
| Total loans | 21,267,000 | 21,411,000 | 20,521,000 | 20,418,000 |
| Allowance for loan losses | 516,000 | 594,000 | 469,000 | 466,000 |
| Securities available for sale | 481,000 | 470,000 | 457,000 | 450,000 |
| Securities held to maturity | 615,000 | 615,000 | 615,000 | 515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,583,000 | 21,531,000 | 23,117,000 | 23,458,000 |
| Interest-bearing deposits | 19,735,000 | 18,708,000 | 20,127,000 | 20,413,000 |
| Noninterest-bearing deposits | 2,848,000 | 2,823,000 | 2,989,000 | 3,045,000 |
| Equity capital | 1,972,000 | 1,979,000 | 1,982,000 | 1,965,000 |
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 | 454,000 | 874,000 | 1,289,000 | 1,683,000 |
| Interest expense | 142,000 | 270,000 | 405,000 | 535,000 |
| Net interest income | 312,000 | 604,000 | 884,000 | 1,148,000 |
| Noninterest income | 34,000 | 83,000 | 127,000 | 170,000 |
| Noninterest expense | 228,000 | 440,000 | 707,000 | 1,004,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | 60,000 |
| Pretax income | 118,000 | 187,000 | 244,000 | 254,000 |
| Income tax | 17,000 | 26,000 | 31,000 | 44,000 |
| Net income | 101,000 | 161,000 | 220,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,934,000 | 1,944,000 | 1,953,000 | 1,943,000 |
| Total capital | 2,166,000 | 2,172,000 | 2,178,000 | 2,164,000 |
| Risk-weighted assets | 18,303,000 | 17,905,000 | 17,755,000 | 17,450,000 |