Call reports 2008
CITIZENS STATE BANK — 2008
What CITIZENS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 239,412,000 | 243,453,000 | 246,554,000 | 262,127,000 |
| Total loans | 93,983,000 | 94,716,000 | 97,934,000 | 99,061,000 |
| Allowance for loan losses | 691,000 | 784,000 | 867,000 | 1,065,000 |
| Securities available for sale | 129,370,000 | 130,976,000 | 129,658,000 | 147,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,660,000 | 208,809,000 | 218,037,000 | 233,852,000 |
| Interest-bearing deposits | 173,513,000 | 172,001,000 | 176,482,000 | 192,252,000 |
| Noninterest-bearing deposits | 38,147,000 | 36,808,000 | 41,555,000 | 41,600,000 |
| Equity capital | 20,713,000 | 19,332,000 | 20,005,000 | 22,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,443,000 | 6,905,000 | 10,385,000 | 13,940,000 |
| Interest expense | 1,643,000 | 3,174,000 | 4,636,000 | 6,091,000 |
| Net interest income | 1,800,000 | 3,731,000 | 5,749,000 | 7,849,000 |
| Noninterest income | 358,000 | 746,000 | 1,133,000 | 1,562,000 |
| Noninterest expense | 1,204,000 | 2,436,000 | 3,677,000 | 5,034,000 |
| Provision for loan losses | 55,000 | 160,000 | 295,000 | 570,000 |
| Pretax income | 992,000 | 1,972,000 | 3,019,000 | 4,097,000 |
| Income tax | 196,000 | 381,000 | 577,000 | 759,000 |
| Net income | 796,000 | 1,591,000 | 2,442,000 | 3,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,982,000 | 18,150,000 | 19,023,000 | 19,941,000 |
| Total capital | 18,673,000 | 18,934,000 | 19,890,000 | 21,006,000 |
| Risk-weighted assets | 116,959,000 | 120,891,000 | 123,765,000 | 124,221,000 |
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