Call reports 2003
CITIZENS STATE BANK — 2003
What CITIZENS STATE BANK 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 | 55,508,000 | 57,321,000 | 58,045,000 | 60,580,000 |
| Total loans | 36,659,000 | 38,757,000 | 39,115,000 | 42,019,000 |
| Allowance for loan losses | 571,000 | 595,000 | 615,000 | 450,000 |
| Securities available for sale | 12,415,000 | 12,139,000 | 14,476,000 | 13,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,773,000 | 49,465,000 | 50,019,000 | 48,266,000 |
| Interest-bearing deposits | 43,214,000 | 44,988,000 | 45,436,000 | 43,216,000 |
| Noninterest-bearing deposits | 4,559,000 | 4,477,000 | 4,583,000 | 5,050,000 |
| Equity capital | 4,557,000 | 4,737,000 | 4,616,000 | 4,746,000 |
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 | 906,000 | 1,854,000 | 2,844,000 | 3,837,000 |
| Interest expense | 354,000 | 686,000 | 1,006,000 | 1,317,000 |
| Net interest income | 552,000 | 1,168,000 | 1,838,000 | 2,520,000 |
| Noninterest income | 108,000 | 168,000 | 234,000 | 298,000 |
| Noninterest expense | 541,000 | 1,003,000 | 1,517,000 | 2,106,000 |
| Provision for loan losses | 60,000 | 140,000 | 230,000 | 270,000 |
| Pretax income | 60,000 | 275,000 | 407,000 | 524,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 60,000 | 275,000 | 407,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,392,000 | 4,567,000 | 4,715,000 | 4,825,000 |
| Total capital | 4,876,000 | 5,073,000 | 5,222,000 | 5,275,000 |
| Risk-weighted assets | 38,647,000 | 40,413,000 | 40,832,000 | 43,044,000 |