Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE BANK 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 | 60,341,000 | 59,809,000 | 59,934,000 | 58,172,000 |
| Total loans | 35,858,000 | 35,155,000 | 35,478,000 | 35,667,000 |
| Allowance for loan losses | 440,000 | 364,000 | 421,000 | 401,000 |
| Securities available for sale | 19,702,000 | 18,952,000 | 18,180,000 | 13,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,892,000 | 54,140,000 | 53,957,000 | 50,187,000 |
| Interest-bearing deposits | 50,707,000 | 50,511,000 | 49,723,000 | 45,855,000 |
| Noninterest-bearing deposits | 4,185,000 | 3,629,000 | 4,234,000 | 4,332,000 |
| Equity capital | 4,900,000 | 5,029,000 | 5,341,000 | 4,524,000 |
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 | 1,261,000 | 2,475,000 | 3,698,000 | 4,737,000 |
| Interest expense | 714,000 | 1,383,000 | 2,010,000 | 2,553,000 |
| Net interest income | 547,000 | 1,092,000 | 1,688,000 | 2,184,000 |
| Noninterest income | 112,000 | 226,000 | 314,000 | 426,000 |
| Noninterest expense | 404,000 | 818,000 | 1,263,000 | 1,689,000 |
| Provision for loan losses | 66,000 | 116,000 | 206,000 | 636,000 |
| Pretax income | 189,000 | 407,000 | 568,000 | 433,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 189,000 | 407,000 | 568,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,610,000 | 4,767,000 | 4,910,000 | 4,392,000 |
| Total capital | 5,050,000 | 5,131,000 | 5,331,000 | 4,793,000 |
| Risk-weighted assets | 38,589,000 | 38,343,000 | 42,207,000 | 42,666,000 |