Call reports 2002
CITIZENS STATE BANK — 2002
What CITIZENS STATE BANK 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 | 55,413,000 | 56,829,000 | 55,765,000 | 55,265,000 |
| Total loans | 34,671,000 | 35,379,000 | 33,892,000 | 34,930,000 |
| Allowance for loan losses | 414,000 | 445,000 | 422,000 | 597,000 |
| Securities available for sale | 15,013,000 | 14,532,000 | 12,294,000 | 12,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,419,000 | 48,652,000 | 47,468,000 | 47,442,000 |
| Interest-bearing deposits | 43,462,000 | 44,060,000 | 43,921,000 | 43,376,000 |
| Noninterest-bearing deposits | 3,957,000 | 4,592,000 | 3,547,000 | 4,066,000 |
| Equity capital | 4,525,000 | 4,768,000 | 4,871,000 | 4,642,000 |
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 | 1,011,000 | 2,002,000 | 2,957,000 | 3,888,000 |
| Interest expense | 475,000 | 922,000 | 1,354,000 | 1,749,000 |
| Net interest income | 536,000 | 1,080,000 | 1,603,000 | 2,139,000 |
| Noninterest income | 96,000 | 210,000 | 271,000 | 376,000 |
| Noninterest expense | 410,000 | 859,000 | 1,274,000 | 1,836,000 |
| Provision for loan losses | 60,000 | 150,000 | 200,000 | 545,000 |
| Pretax income | 162,000 | 331,000 | 511,000 | 256,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 162,000 | 331,000 | 511,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,518,000 | 4,598,000 | 4,727,000 | 4,462,000 |
| Total capital | 4,932,000 | 5,043,000 | 5,149,000 | 4,933,000 |
| Risk-weighted assets | 37,708,000 | 38,326,000 | 36,859,000 | 37,557,000 |