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 | 85,504,000 | 85,190,000 | 86,013,000 | 90,891,000 |
| Total loans | 56,017,000 | 55,305,000 | 56,385,000 | 59,625,000 |
| Allowance for loan losses | 827,000 | 827,000 | 828,000 | 836,000 |
| Securities available for sale | 7,986,000 | 8,934,000 | 11,198,000 | 13,466,000 |
| Securities held to maturity | 9,031,000 | 9,218,000 | 9,731,000 | 9,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,700,000 | 75,412,000 | 75,888,000 | 81,542,000 |
| Interest-bearing deposits | 62,084,000 | 61,285,000 | 61,542,000 | 63,092,000 |
| Noninterest-bearing deposits | 13,616,000 | 14,128,000 | 14,346,000 | 18,450,000 |
| Equity capital | 9,201,000 | 9,284,000 | 9,561,000 | 8,626,000 |
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 | 1,190,000 | 2,339,000 | 3,500,000 | 4,639,000 |
| Interest expense | 491,000 | 919,000 | 1,325,000 | 1,709,000 |
| Net interest income | 699,000 | 1,420,000 | 2,175,000 | 2,930,000 |
| Noninterest income | 90,000 | 182,000 | 295,000 | 400,000 |
| Noninterest expense | 519,000 | 1,030,000 | 1,592,000 | 2,130,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 10,000 |
| Pretax income | 270,000 | 572,000 | 876,000 | 1,190,000 |
| Income tax | 73,000 | 158,000 | 244,000 | 531,000 |
| Net income | 197,000 | 414,000 | 632,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,590,000 | 7,806,000 | 8,024,000 | 6,845,000 |
| Total capital | 8,325,000 | 8,538,000 | 8,766,000 | 7,607,000 |
| Risk-weighted assets | 58,743,000 | 58,502,000 | 59,295,000 | 60,909,000 |
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