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 | 33,364,000 | 33,534,000 | 34,672,000 | 33,974,000 |
| Total loans | 24,178,000 | 25,100,000 | 25,125,000 | 22,376,000 |
| Allowance for loan losses | 398,000 | 394,000 | 391,000 | 391,000 |
| Securities available for sale | 1,316,000 | 2,815,000 | 3,004,000 | 3,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,025,000 | 30,197,000 | 31,272,000 | 30,673,000 |
| Interest-bearing deposits | 23,651,000 | 23,829,000 | 24,206,000 | 23,151,000 |
| Noninterest-bearing deposits | 6,374,000 | 6,368,000 | 7,066,000 | 7,522,000 |
| Equity capital | 3,114,000 | 3,195,000 | 3,249,000 | 3,192,000 |
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 | 457,000 | 932,000 | 1,405,000 | 1,841,000 |
| Interest expense | 147,000 | 281,000 | 396,000 | 499,000 |
| Net interest income | 310,000 | 651,000 | 1,009,000 | 1,342,000 |
| Noninterest income | 103,000 | 195,000 | 286,000 | 374,000 |
| Noninterest expense | 301,000 | 612,000 | 922,000 | 1,262,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 112,000 | 234,000 | 373,000 | 454,000 |
| Income tax | 36,000 | 77,000 | 124,000 | 140,000 |
| Net income | 76,000 | 157,000 | 249,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,106,000 | 3,187,000 | 3,279,000 | 3,220,000 |
| Total capital | 3,421,000 | 3,514,000 | 3,616,000 | 3,530,000 |
| Risk-weighted assets | 25,108,000 | 26,066,000 | 26,917,000 | 24,738,000 |