Call reports 2008
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2008
What CITIZENS STATE BANK OF TAYLOR COUNTY, THE 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 | 48,907,000 | 47,813,000 | 45,628,000 | 46,561,000 |
| Total loans | 31,447,000 | 31,638,000 | 30,323,000 | 29,822,000 |
| Allowance for loan losses | 626,000 | 628,000 | 582,000 | 844,000 |
| Securities available for sale | 1,582,000 | 1,986,000 | 2,509,000 | 2,561,000 |
| Securities held to maturity | 2,968,000 | 3,646,000 | 3,627,000 | 3,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,079,000 | 40,069,000 | 39,200,000 | 40,253,000 |
| Interest-bearing deposits | 33,754,000 | 33,057,000 | 32,992,000 | 33,422,000 |
| Noninterest-bearing deposits | 7,325,000 | 7,012,000 | 6,208,000 | 6,831,000 |
| Equity capital | 7,292,000 | 7,129,000 | 5,858,000 | 5,920,000 |
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 | 892,000 | 1,752,000 | 2,582,000 | 3,387,000 |
| Interest expense | 335,000 | 644,000 | 923,000 | 1,186,000 |
| Net interest income | 557,000 | 1,108,000 | 1,659,000 | 2,201,000 |
| Noninterest income | 83,000 | 175,000 | 267,000 | 348,000 |
| Noninterest expense | 369,000 | 749,000 | 1,113,000 | 1,487,000 |
| Provision for loan losses | 30,000 | 60,000 | 1,457,000 | 1,695,000 |
| Pretax income | 241,000 | 474,000 | -644,000 | -633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 241,000 | 474,000 | -644,000 | -633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,280,000 | 7,163,000 | 5,870,000 | 5,881,000 |
| Total capital | 7,682,000 | 7,570,000 | 6,256,000 | 6,265,000 |
| Risk-weighted assets | 31,963,000 | 32,314,000 | 30,698,000 | 30,242,000 |
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