Call reports 2001
CITIZENS STATE BANK, THE — 2001
What CITIZENS STATE BANK, THE 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 | 14,957,000 | 14,266,000 | 13,789,000 | 13,552,000 |
| Total loans | 8,600,000 | 8,921,000 | 8,077,000 | 8,030,000 |
| Allowance for loan losses | 330,000 | 257,000 | 250,000 | 296,000 |
| Securities available for sale | 2,046,000 | 1,749,000 | 1,599,000 | 1,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,739,000 | 11,154,000 | 11,008,000 | 10,879,000 |
| Interest-bearing deposits | 9,912,000 | 9,656,000 | 9,438,000 | 9,084,000 |
| Noninterest-bearing deposits | 1,827,000 | 1,498,000 | 1,570,000 | 1,795,000 |
| Equity capital | 1,694,000 | 1,571,000 | 1,502,000 | 1,421,000 |
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 | 296,000 | 563,000 | 809,000 | 1,006,000 |
| Interest expense | 162,000 | 312,000 | 444,000 | 556,000 |
| Net interest income | 134,000 | 251,000 | 365,000 | 450,000 |
| Noninterest income | 13,000 | 26,000 | 44,000 | 62,000 |
| Noninterest expense | 177,000 | 385,000 | 591,000 | 782,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | -30,000 | -158,000 | -232,000 | -320,000 |
| Income tax | 0 | 0 | 0 | -9,000 |
| Net income | -30,000 | -158,000 | -232,000 | -311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,660,000 | 1,535,000 | 1,463,000 | 1,375,000 |
| Total capital | 1,789,000 | 1,666,000 | 1,588,000 | 1,497,000 |
| Risk-weighted assets | 10,283,000 | 10,378,000 | 9,881,000 | 9,577,000 |