Call reports 2009
CITIZENS STATE BANK OF HAYFIELD — 2009
What CITIZENS STATE BANK OF HAYFIELD 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 | 57,868,000 | 62,160,000 | 58,545,000 | 60,261,000 |
| Total loans | 51,320,000 | 51,650,000 | 51,650,000 | 51,816,000 |
| Allowance for loan losses | 592,000 | 579,000 | 573,000 | 561,000 |
| Securities available for sale | 2,235,000 | 1,701,000 | 1,688,000 | 1,652,000 |
| Securities held to maturity | 165,000 | 165,000 | 165,000 | 165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,442,000 | 52,584,000 | 48,859,000 | 52,377,000 |
| Interest-bearing deposits | 39,468,000 | 44,098,000 | 40,708,000 | 41,763,000 |
| Noninterest-bearing deposits | 7,974,000 | 8,486,000 | 8,151,000 | 10,614,000 |
| Equity capital | 5,086,000 | 5,160,000 | 5,292,000 | 5,302,000 |
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 | 862,000 | 1,740,000 | 2,582,000 | 3,445,000 |
| Interest expense | 224,000 | 444,000 | 657,000 | 856,000 |
| Net interest income | 638,000 | 1,296,000 | 1,925,000 | 2,589,000 |
| Noninterest income | 62,000 | 147,000 | 216,000 | 280,000 |
| Noninterest expense | 487,000 | 1,000,000 | 1,488,000 | 2,130,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 213,000 | 443,000 | 653,000 | 739,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 212,000 | 442,000 | 652,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,077,000 | 5,150,000 | 5,273,000 | 5,283,000 |
| Total capital | 5,669,000 | 5,729,000 | 5,846,000 | 5,844,000 |
| Risk-weighted assets | 50,434,000 | 51,877,000 | 50,390,000 | 50,676,000 |
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