Call reports 2009
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2009
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 8,347,000 | 8,266,000 | 8,251,000 | 8,493,000 |
| Total loans | 3,322,000 | 3,510,000 | 3,810,000 | 3,876,000 |
| Allowance for loan losses | 52,000 | 52,000 | 52,000 | 37,000 |
| Securities available for sale | 2,640,000 | 3,017,000 | 2,860,000 | 2,825,000 |
| Securities held to maturity | 2,000 | 2,000 | 305,000 | 287,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,619,000 | 6,602,000 | 6,582,000 | 6,735,000 |
| Interest-bearing deposits | 5,660,000 | 5,729,000 | 5,677,000 | 5,899,000 |
| Noninterest-bearing deposits | 959,000 | 873,000 | 905,000 | 836,000 |
| Equity capital | 1,713,000 | 1,647,000 | 1,651,000 | 1,725,000 |
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 | 82,000 | 148,000 | 241,000 | 345,000 |
| Interest expense | 19,000 | 38,000 | 55,000 | 70,000 |
| Net interest income | 63,000 | 110,000 | 186,000 | 275,000 |
| Noninterest income | 9,000 | 16,000 | 24,000 | 32,000 |
| Noninterest expense | 95,000 | 214,000 | 312,000 | 377,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | -23,000 | -88,000 | -102,000 | -75,000 |
| Income tax | 0 | 0 | 0 | -40,000 |
| Net income | -23,000 | -88,000 | -102,000 | -35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,144,000 | 1,089,000 | 1,083,000 | 1,150,000 |
| Total capital | 1,196,000 | 1,141,000 | 1,135,000 | 1,187,000 |
| Risk-weighted assets | 4,253,000 | 4,312,000 | 4,475,000 | 4,653,000 |
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