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 | 55,156,000 | 60,427,000 | 60,315,000 | 61,342,000 |
| Total loans | 26,184,000 | 29,245,000 | 29,241,000 | 28,927,000 |
| Allowance for loan losses | 387,000 | 389,000 | 394,000 | 365,000 |
| Securities available for sale | 19,814,000 | 22,882,000 | 22,697,000 | 24,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,050,000 | 41,141,000 | 38,312,000 | 43,072,000 |
| Interest-bearing deposits | 36,897,000 | 37,719,000 | 34,694,000 | 39,290,000 |
| Noninterest-bearing deposits | 3,153,000 | 3,422,000 | 3,618,000 | 3,782,000 |
| Equity capital | 12,542,000 | 12,303,000 | 12,339,000 | 12,653,000 |
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 | 735,000 | 1,509,000 | 2,329,000 | 3,141,000 |
| Interest expense | 333,000 | 670,000 | 1,005,000 | 1,330,000 |
| Net interest income | 402,000 | 839,000 | 1,324,000 | 1,811,000 |
| Noninterest income | 84,000 | 180,000 | 270,000 | 358,000 |
| Noninterest expense | 341,000 | 703,000 | 1,067,000 | 1,444,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 12,000 |
| Pretax income | 151,000 | 322,000 | 528,000 | 725,000 |
| Income tax | 45,000 | 90,000 | 152,000 | 207,000 |
| Net income | 106,000 | 232,000 | 376,000 | 518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,085,000 | 7,167,000 | 7,250,000 | 7,313,000 |
| Total capital | 7,448,000 | 7,484,000 | 7,644,000 | 7,678,000 |
| Risk-weighted assets | 29,040,000 | 36,087,000 | 33,408,000 | 36,238,000 |
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