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 | 88,904,000 | 89,855,000 | 94,030,000 | 96,093,000 |
| Total loans | 60,832,000 | 62,240,000 | 62,142,000 | 64,128,000 |
| Allowance for loan losses | 843,000 | 850,000 | 787,000 | 805,000 |
| Securities available for sale | 12,764,000 | 11,566,000 | 14,615,000 | 15,039,000 |
| Securities held to maturity | 9,324,000 | 8,333,000 | 9,419,000 | 9,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,478,000 | 79,637,000 | 83,441,000 | 85,337,000 |
| Interest-bearing deposits | 63,593,000 | 65,642,000 | 67,816,000 | 67,305,000 |
| Noninterest-bearing deposits | 13,884,000 | 13,995,000 | 15,625,000 | 18,032,000 |
| Equity capital | 9,046,000 | 9,295,000 | 9,672,000 | 9,962,000 |
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 | 1,117,000 | 2,220,000 | 3,316,000 | 4,443,000 |
| Interest expense | 301,000 | 577,000 | 854,000 | 1,117,000 |
| Net interest income | 816,000 | 1,643,000 | 2,462,000 | 3,326,000 |
| Noninterest income | 96,000 | 180,000 | 254,000 | 396,000 |
| Noninterest expense | 571,000 | 1,176,000 | 1,713,000 | 2,278,000 |
| Provision for loan losses | 8,000 | 15,000 | 26,000 | 44,000 |
| Pretax income | 333,000 | 632,000 | 977,000 | 1,400,000 |
| Income tax | 17,000 | 32,000 | 49,000 | 69,000 |
| Net income | 316,000 | 600,000 | 928,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,161,000 | 7,444,000 | 7,773,000 | 8,177,000 |
| Total capital | 7,934,000 | 8,231,000 | 8,560,000 | 8,982,000 |
| Risk-weighted assets | 61,735,000 | 62,868,000 | 64,069,000 | 65,829,000 |
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