Call reports 2009
CITIZENS STATE BANK OF CHENEY, KANSAS, THE — 2009
What CITIZENS STATE BANK OF CHENEY, KANSAS, 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 | 47,205,000 | 46,968,000 | 47,981,000 | 46,958,000 |
| Total loans | 31,614,000 | 31,870,000 | 32,397,000 | 31,966,000 |
| Allowance for loan losses | 293,000 | 327,000 | 364,000 | 288,000 |
| Securities available for sale | 11,434,000 | 11,454,000 | 12,506,000 | 11,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,830,000 | 40,374,000 | 39,015,000 | 40,249,000 |
| Interest-bearing deposits | 33,852,000 | 33,274,000 | 31,608,000 | 32,433,000 |
| Noninterest-bearing deposits | 6,978,000 | 7,100,000 | 7,407,000 | 7,816,000 |
| Equity capital | 5,779,000 | 6,020,000 | 6,134,000 | 6,139,000 |
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 | 744,000 | 1,481,000 | 2,195,000 | 2,911,000 |
| Interest expense | 189,000 | 363,000 | 526,000 | 655,000 |
| Net interest income | 555,000 | 1,118,000 | 1,669,000 | 2,256,000 |
| Noninterest income | 76,000 | 157,000 | 265,000 | 355,000 |
| Noninterest expense | 297,000 | 656,000 | 1,022,000 | 1,352,000 |
| Provision for loan losses | 106,000 | 136,000 | 166,000 | 201,000 |
| Pretax income | 228,000 | 483,000 | 746,000 | 1,058,000 |
| Income tax | 8,000 | 21,000 | 35,000 | 48,000 |
| Net income | 220,000 | 462,000 | 711,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,540,000 | 5,782,000 | 5,777,000 | 5,823,000 |
| Total capital | 5,833,000 | 6,109,000 | 6,141,000 | 6,111,000 |
| Risk-weighted assets | 31,716,000 | 31,882,000 | 32,630,000 | 32,696,000 |
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