Call reports 2008
CITIZENS STATE BANK OF HAYFIELD — 2008
What CITIZENS STATE BANK OF HAYFIELD 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 | 55,230,000 | 54,854,000 | 55,739,000 | 59,693,000 |
| Total loans | 47,963,000 | 47,984,000 | 48,883,000 | 50,493,000 |
| Allowance for loan losses | 363,000 | 369,000 | 384,000 | 598,000 |
| Securities available for sale | 2,827,000 | 2,351,000 | 2,347,000 | 1,844,000 |
| Securities held to maturity | 185,000 | 185,000 | 185,000 | 185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,542,000 | 48,462,000 | 47,710,000 | 49,405,000 |
| Interest-bearing deposits | 37,457,000 | 40,335,000 | 39,090,000 | 39,420,000 |
| Noninterest-bearing deposits | 7,085,000 | 8,127,000 | 8,620,000 | 9,985,000 |
| Equity capital | 4,553,000 | 4,613,000 | 4,762,000 | 5,076,000 |
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 | 949,000 | 1,880,000 | 2,804,000 | 3,711,000 |
| Interest expense | 314,000 | 596,000 | 879,000 | 1,137,000 |
| Net interest income | 635,000 | 1,284,000 | 1,925,000 | 2,574,000 |
| Noninterest income | 78,000 | 158,000 | 239,000 | 297,000 |
| Noninterest expense | 457,000 | 894,000 | 1,352,000 | 1,946,000 |
| Provision for loan losses | 13,000 | 43,000 | 58,000 | 273,000 |
| Pretax income | 243,000 | 505,000 | 754,000 | 652,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 242,000 | 504,000 | 753,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,532,000 | 4,618,000 | 4,762,000 | 5,065,000 |
| Total capital | 4,895,000 | 4,987,000 | 5,146,000 | 5,663,000 |
| Risk-weighted assets | 47,885,000 | 47,829,000 | 48,601,000 | 50,667,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS STATE BANK OF HAYFIELD — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.