Call reports 2009
CITIZENS STATE BANK, THE — 2009
What CITIZENS STATE BANK, THE 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 | 85,207,000 | 84,799,000 | 81,680,000 | 86,922,000 |
| Total loans | 57,032,000 | 58,656,000 | 57,658,000 | 57,779,000 |
| Allowance for loan losses | 500,000 | 486,000 | 511,000 | 461,000 |
| Securities available for sale | 21,445,000 | 19,737,000 | 18,172,000 | 19,441,000 |
| Securities held to maturity | 342,000 | 337,000 | 318,000 | 283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,239,000 | 70,370,000 | 70,837,000 | 76,803,000 |
| Interest-bearing deposits | 52,811,000 | 55,758,000 | 55,736,000 | 60,524,000 |
| Noninterest-bearing deposits | 14,427,000 | 14,612,000 | 15,101,000 | 16,279,000 |
| Equity capital | 7,366,000 | 7,516,000 | 7,769,000 | 7,942,000 |
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 | 1,202,000 | 2,400,000 | 3,581,000 | 4,734,000 |
| Interest expense | 325,000 | 580,000 | 832,000 | 1,053,000 |
| Net interest income | 877,000 | 1,820,000 | 2,749,000 | 3,681,000 |
| Noninterest income | 103,000 | 221,000 | 345,000 | 463,000 |
| Noninterest expense | 617,000 | 1,310,000 | 1,976,000 | 2,713,000 |
| Provision for loan losses | 70,000 | 70,000 | 100,000 | 100,000 |
| Pretax income | 293,000 | 661,000 | 1,018,000 | 1,331,000 |
| Income tax | 88,000 | 220,000 | 347,000 | 460,000 |
| Net income | 205,000 | 441,000 | 671,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,222,000 | 7,414,000 | 7,597,000 | 7,753,000 |
| Total capital | 7,722,000 | 7,900,000 | 8,108,000 | 8,214,000 |
| Risk-weighted assets | 55,944,000 | 56,853,000 | 55,254,000 | 56,590,000 |
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