Call reports 2009
CITIZENS STATE BANK — 2009
What CITIZENS STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 309,419,000 | 314,075,000 | 325,957,000 | 330,921,000 |
| Total loans | 103,368,000 | 103,202,000 | 100,717,000 | 102,065,000 |
| Allowance for loan losses | 1,045,000 | 1,206,000 | 1,445,000 | 1,648,000 |
| Securities available for sale | 188,065,000 | 189,850,000 | 208,250,000 | 210,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,949,000 | 282,484,000 | 287,948,000 | 290,698,000 |
| Interest-bearing deposits | 228,973,000 | 241,089,000 | 245,058,000 | 249,793,000 |
| Noninterest-bearing deposits | 42,976,000 | 41,395,000 | 42,890,000 | 40,905,000 |
| Equity capital | 24,117,000 | 24,490,000 | 29,217,000 | 30,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,984,000 | 8,173,000 | 12,458,000 | 16,806,000 |
| Interest expense | 1,589,000 | 3,198,000 | 4,757,000 | 6,248,000 |
| Net interest income | 2,395,000 | 4,975,000 | 7,701,000 | 10,558,000 |
| Noninterest income | 377,000 | 805,000 | 1,244,000 | 1,636,000 |
| Noninterest expense | 1,607,000 | 3,252,000 | 4,964,000 | 6,543,000 |
| Provision for loan losses | 165,000 | 465,000 | 765,000 | 1,065,000 |
| Pretax income | 1,169,000 | 2,434,000 | 3,824,000 | 5,367,000 |
| Income tax | 202,000 | 409,000 | 629,000 | 848,000 |
| Net income | 967,000 | 2,025,000 | 3,195,000 | 4,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,268,000 | 22,399,000 | 23,603,000 | 24,955,000 |
| Total capital | 22,313,000 | 23,605,000 | 25,048,000 | 26,603,000 |
| Risk-weighted assets | 132,633,000 | 133,496,000 | 135,718,000 | 138,774,000 |
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