Call reports 2001
CITIZENS STATE BANK — 2001
What CITIZENS STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 36,171,000 | 31,853,000 | 32,227,000 | 32,643,000 |
| Total loans | 24,933,000 | 26,298,000 | 24,674,000 | 23,258,000 |
| Allowance for loan losses | 409,000 | 440,000 | 441,000 | 424,000 |
| Securities available for sale | 2,016,000 | 2,021,000 | 2,036,000 | 1,726,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,950,000 | 28,509,000 | 28,960,000 | 29,536,000 |
| Interest-bearing deposits | 23,830,000 | 23,979,000 | 24,506,000 | 23,910,000 |
| Noninterest-bearing deposits | 9,120,000 | 4,530,000 | 4,454,000 | 5,626,000 |
| Equity capital | 2,829,000 | 2,900,000 | 3,000,000 | 2,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 695,000 | 1,374,000 | 1,998,000 | 2,533,000 |
| Interest expense | 351,000 | 693,000 | 1,003,000 | 1,264,000 |
| Net interest income | 344,000 | 681,000 | 995,000 | 1,269,000 |
| Noninterest income | 259,000 | 362,000 | 467,000 | 536,000 |
| Noninterest expense | 278,000 | 593,000 | 880,000 | 1,223,000 |
| Provision for loan losses | 32,000 | 63,000 | 63,000 | 63,000 |
| Pretax income | 293,000 | 387,000 | 519,000 | 519,000 |
| Income tax | 100,000 | 126,000 | 167,000 | 152,000 |
| Net income | 193,000 | 261,000 | 352,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,818,000 | 2,886,000 | 2,977,000 | 2,868,000 |
| Total capital | 3,140,000 | 3,209,000 | 3,290,000 | 3,192,000 |
| Risk-weighted assets | 25,706,000 | 25,703,000 | 24,898,000 | 25,811,000 |