Call reports 2008
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2008
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 7,478,000 | 7,306,000 | 7,389,000 | 8,005,000 |
| Total loans | 4,351,000 | 4,059,000 | 3,926,000 | 3,353,000 |
| Allowance for loan losses | 53,000 | 53,000 | 53,000 | 54,000 |
| Securities available for sale | 517,000 | 1,324,000 | 1,223,000 | 2,287,000 |
| Securities held to maturity | 3,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,366,000 | 6,234,000 | 6,295,000 | 6,241,000 |
| Interest-bearing deposits | 5,386,000 | 5,386,000 | 5,191,000 | 5,069,000 |
| Noninterest-bearing deposits | 981,000 | 849,000 | 1,104,000 | 1,172,000 |
| Equity capital | 1,087,000 | 1,050,000 | 1,075,000 | 1,744,000 |
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 | 115,000 | 213,000 | 310,000 | 60,000 |
| Interest expense | 27,000 | 52,000 | 76,000 | 13,000 |
| Net interest income | 88,000 | 161,000 | 234,000 | 47,000 |
| Noninterest income | 9,000 | 19,000 | 32,000 | 5,000 |
| Noninterest expense | 80,000 | 171,000 | 247,000 | 53,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,000 | 9,000 | 19,000 | -1,000 |
| Income tax | 0 | 8,000 | 4,000 | 8,000 |
| Net income | 17,000 | 1,000 | 15,000 | -9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,074,000 | 1,058,000 | 1,079,000 | 1,159,000 |
| Total capital | 1,127,000 | 1,111,000 | 1,132,000 | 1,211,000 |
| Risk-weighted assets | 4,948,000 | 4,659,000 | 4,608,000 | 4,195,000 |
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