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 | 33,123,000 | 33,555,000 | 33,467,000 | 33,270,000 |
| Total loans | 24,607,000 | 25,634,000 | 26,031,000 | 23,747,000 |
| Allowance for loan losses | 411,000 | 409,000 | 409,000 | 409,000 |
| Securities available for sale | 1,713,000 | 1,887,000 | 1,791,000 | 1,321,000 |
| Securities held to maturity | 100,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,902,000 | 30,323,000 | 30,112,000 | 30,038,000 |
| Interest-bearing deposits | 24,049,000 | 25,187,000 | 25,206,000 | 24,304,000 |
| Noninterest-bearing deposits | 5,853,000 | 5,136,000 | 4,906,000 | 5,734,000 |
| Equity capital | 2,958,000 | 3,048,000 | 3,135,000 | 3,041,000 |
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 | 497,000 | 1,019,000 | 1,538,000 | 2,016,000 |
| Interest expense | 214,000 | 414,000 | 608,000 | 782,000 |
| Net interest income | 283,000 | 605,000 | 930,000 | 1,234,000 |
| Noninterest income | 145,000 | 238,000 | 337,000 | 419,000 |
| Noninterest expense | 307,000 | 611,000 | 905,000 | 1,248,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 121,000 | 232,000 | 362,000 | 405,000 |
| Income tax | 40,000 | 75,000 | 118,000 | 119,000 |
| Net income | 81,000 | 157,000 | 244,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,949,000 | 3,025,000 | 3,112,000 | 3,030,000 |
| Total capital | 3,285,000 | 3,368,000 | 3,459,000 | 3,343,000 |
| Risk-weighted assets | 26,813,000 | 27,367,000 | 27,705,000 | 24,963,000 |