Call reports 2002
CITIZENS EXCHANGE BANK, THE — 2002
What CITIZENS EXCHANGE BANK, THE 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 | 50,501,000 | 50,220,000 | 51,329,000 | 52,628,000 |
| Total loans | 27,545,000 | 28,144,000 | 28,586,000 | 28,567,000 |
| Allowance for loan losses | 648,000 | 649,000 | 661,000 | 671,000 |
| Securities available for sale | 12,074,000 | 12,162,000 | 13,107,000 | 14,054,000 |
| Securities held to maturity | 3,048,000 | 2,999,000 | 2,718,000 | 2,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,716,000 | 44,302,000 | 45,249,000 | 46,555,000 |
| Interest-bearing deposits | 38,790,000 | 37,972,000 | 38,568,000 | 39,779,000 |
| Noninterest-bearing deposits | 5,926,000 | 6,330,000 | 6,681,000 | 6,776,000 |
| Equity capital | 5,515,000 | 5,652,000 | 5,752,000 | 5,822,000 |
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 | 759,000 | 1,502,000 | 2,231,000 | 2,918,000 |
| Interest expense | 358,000 | 713,000 | 1,059,000 | 1,374,000 |
| Net interest income | 401,000 | 789,000 | 1,172,000 | 1,544,000 |
| Noninterest income | 37,000 | 74,000 | 115,000 | 158,000 |
| Noninterest expense | 315,000 | 625,000 | 926,000 | 1,295,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 124,000 | 240,000 | 365,000 | 401,000 |
| Income tax | 42,000 | 84,000 | 125,000 | 121,000 |
| Net income | 82,000 | 156,000 | 240,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,523,000 | 5,597,000 | 5,681,000 | 5,721,000 |
| Total capital | 5,853,000 | 5,936,000 | 6,020,000 | 6,069,000 |
| Risk-weighted assets | 26,077,000 | 26,839,000 | 26,795,000 | 27,531,000 |