Call reports 2003
CITIZENS STATE BANK, THE — 2003
What CITIZENS STATE BANK, THE 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 | 16,756,000 | 14,381,000 | 15,454,000 | 15,119,000 |
| Total loans | 12,678,000 | 11,806,000 | 12,174,000 | 11,651,000 |
| Allowance for loan losses | 269,000 | 253,000 | 355,000 | 155,000 |
| Securities available for sale | 10,000 | 413,000 | 1,162,000 | 1,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,998,000 | 12,606,000 | 13,796,000 | 13,501,000 |
| Interest-bearing deposits | 13,116,000 | 10,985,000 | 11,563,000 | 11,773,000 |
| Noninterest-bearing deposits | 1,882,000 | 1,621,000 | 2,233,000 | 1,728,000 |
| Equity capital | 1,315,000 | 1,332,000 | 1,307,000 | 1,275,000 |
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 | 242,000 | 478,000 | 704,000 | 936,000 |
| Interest expense | 95,000 | 181,000 | 264,000 | 340,000 |
| Net interest income | 147,000 | 297,000 | 440,000 | 596,000 |
| Noninterest income | 14,000 | 27,000 | 42,000 | 61,000 |
| Noninterest expense | 153,000 | 301,000 | 455,000 | 614,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 78,000 |
| Pretax income | 8,000 | 23,000 | -3,000 | -35,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 8,000 | 23,000 | -3,000 | -35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,282,000 | 1,298,000 | 1,273,000 | 1,239,000 |
| Total capital | 1,445,000 | 1,442,000 | 1,423,000 | 1,384,000 |
| Risk-weighted assets | 12,955,000 | 11,389,000 | 11,811,000 | 11,576,000 |