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 | 7,565,000 | 7,568,000 | 7,587,000 | 7,585,000 |
| Total loans | 5,630,000 | 5,641,000 | 5,699,000 | 5,205,000 |
| Allowance for loan losses | 76,000 | 76,000 | 76,000 | 77,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,484,000 | 6,435,000 | 6,433,000 | 6,624,000 |
| Interest-bearing deposits | 5,959,000 | 6,024,000 | 5,956,000 | 5,929,000 |
| Noninterest-bearing deposits | 525,000 | 411,000 | 478,000 | 695,000 |
| Equity capital | 598,000 | 601,000 | 617,000 | 582,000 |
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 | 143,000 | 288,000 | 433,000 | 572,000 |
| Interest expense | 51,000 | 100,000 | 145,000 | 191,000 |
| Net interest income | 92,000 | 188,000 | 288,000 | 381,000 |
| Noninterest income | 14,000 | 34,000 | 54,000 | 71,000 |
| Noninterest expense | 87,000 | 166,000 | 261,000 | 398,000 |
| Provision for loan losses | -35,000 | -35,000 | -35,000 | -35,000 |
| Pretax income | 54,000 | 91,000 | 116,000 | 89,000 |
| Income tax | 0 | 14,000 | 23,000 | 21,000 |
| Net income | 54,000 | 77,000 | 93,000 | 68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 598,000 | 601,000 | 617,000 | 582,000 |
| Total capital | 650,000 | 656,000 | 672,000 | 634,000 |
| Risk-weighted assets | 4,142,000 | 4,427,000 | 4,355,000 | 4,106,000 |