Call reports 2008
CITIZENS STATE BANK, THE — 2008
What CITIZENS STATE BANK, THE 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 | 83,180,000 | 86,340,000 | 84,443,000 | 86,370,000 |
| Total loans | 54,276,000 | 55,656,000 | 53,981,000 | 56,726,000 |
| Allowance for loan losses | 446,000 | 431,000 | 453,000 | 442,000 |
| Securities available for sale | 21,941,000 | 20,361,000 | 23,409,000 | 22,957,000 |
| Securities held to maturity | 399,000 | 387,000 | 382,000 | 347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,115,000 | 71,327,000 | 68,362,000 | 70,201,000 |
| Interest-bearing deposits | 52,294,000 | 55,115,000 | 53,038,000 | 55,342,000 |
| Noninterest-bearing deposits | 15,821,000 | 16,212,000 | 15,324,000 | 14,860,000 |
| Equity capital | 6,461,000 | 6,550,000 | 6,784,000 | 6,998,000 |
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 | 1,352,000 | 2,669,000 | 3,968,000 | 5,265,000 |
| Interest expense | 525,000 | 1,006,000 | 1,448,000 | 1,835,000 |
| Net interest income | 827,000 | 1,663,000 | 2,520,000 | 3,430,000 |
| Noninterest income | 121,000 | 225,000 | 335,000 | 440,000 |
| Noninterest expense | 559,000 | 1,099,000 | 1,656,000 | 2,355,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 389,000 | 789,000 | 1,169,000 | 1,485,000 |
| Income tax | 136,000 | 287,000 | 419,000 | 537,000 |
| Net income | 253,000 | 502,000 | 750,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,495,000 | 6,703,000 | 6,906,000 | 7,064,000 |
| Total capital | 6,941,000 | 7,134,000 | 7,359,000 | 7,506,000 |
| Risk-weighted assets | 54,730,000 | 56,634,000 | 54,572,000 | 56,283,000 |
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