Call reports 2002
CITIZENS STATE BANK, THE — 2002
What CITIZENS STATE BANK, THE 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 | 13,122,000 | 12,692,000 | 15,503,000 | 15,771,000 |
| Total loans | 8,123,000 | 8,973,000 | 10,521,000 | 11,698,000 |
| Allowance for loan losses | 280,000 | 283,000 | 285,000 | 287,000 |
| Securities available for sale | 1,079,000 | 770,000 | 312,000 | 10,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,804,000 | 10,375,000 | 13,478,000 | 13,758,000 |
| Interest-bearing deposits | 9,205,000 | 9,044,000 | 11,846,000 | 12,361,000 |
| Noninterest-bearing deposits | 1,599,000 | 1,331,000 | 1,632,000 | 1,397,000 |
| Equity capital | 1,333,000 | 1,333,000 | 1,305,000 | 1,307,000 |
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 | 177,000 | 365,000 | 572,000 | 810,000 |
| Interest expense | 97,000 | 187,000 | 282,000 | 384,000 |
| Net interest income | 80,000 | 178,000 | 290,000 | 426,000 |
| Noninterest income | 15,000 | 33,000 | 50,000 | 70,000 |
| Noninterest expense | 177,000 | 329,000 | 483,000 | 636,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -82,000 | -118,000 | -143,000 | -140,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -82,000 | -118,000 | -143,000 | -140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,297,000 | 1,298,000 | 1,272,000 | 1,274,000 |
| Total capital | 1,415,000 | 1,421,000 | 1,415,000 | 1,424,000 |
| Risk-weighted assets | 9,251,000 | 9,666,000 | 11,319,000 | 11,838,000 |