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 | 7,608,000 | 7,187,000 | 7,356,000 | 7,795,000 |
| Total loans | 5,666,000 | 5,735,000 | 5,930,000 | 5,744,000 |
| Allowance for loan losses | 108,000 | 109,000 | 110,000 | 111,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 800,000 | 800,000 | 800,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,095,000 | 6,099,000 | 6,057,000 | 6,722,000 |
| Interest-bearing deposits | 5,570,000 | 5,630,000 | 5,602,000 | 5,945,000 |
| Noninterest-bearing deposits | 525,000 | 470,000 | 455,000 | 777,000 |
| Equity capital | 562,000 | 572,000 | 604,000 | 579,000 |
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 | 145,000 | 292,000 | 444,000 | 595,000 |
| Interest expense | 61,000 | 117,000 | 170,000 | 222,000 |
| Net interest income | 84,000 | 175,000 | 274,000 | 373,000 |
| Noninterest income | 21,000 | 33,000 | 53,000 | 68,000 |
| Noninterest expense | 79,000 | 167,000 | 246,000 | 356,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 26,000 | 41,000 | 81,000 | 85,000 |
| Income tax | 0 | 0 | 8,000 | 17,000 |
| Net income | 26,000 | 41,000 | 73,000 | 68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 562,000 | 572,000 | 604,000 | 579,000 |
| Total capital | 616,000 | 624,000 | 658,000 | 635,000 |
| Risk-weighted assets | 4,261,000 | 4,124,000 | 4,248,000 | 4,395,000 |