Call reports 2009
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2009
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 47,475,000 | 45,884,000 | 44,069,000 | 44,882,000 |
| Total loans | 27,965,000 | 27,793,000 | 26,825,000 | 25,953,000 |
| Allowance for loan losses | 752,000 | 707,000 | 586,000 | 717,000 |
| Securities available for sale | 3,491,000 | 2,539,000 | 1,709,000 | 1,438,000 |
| Securities held to maturity | 3,614,000 | 4,059,000 | 4,061,000 | 4,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,130,000 | 39,480,000 | 37,717,000 | 38,752,000 |
| Interest-bearing deposits | 33,284,000 | 33,382,000 | 32,006,000 | 32,728,000 |
| Noninterest-bearing deposits | 7,846,000 | 6,098,000 | 5,711,000 | 6,024,000 |
| Equity capital | 5,951,000 | 5,933,000 | 5,825,000 | 5,682,000 |
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 | 697,000 | 1,396,000 | 2,090,000 | 2,751,000 |
| Interest expense | 238,000 | 453,000 | 652,000 | 832,000 |
| Net interest income | 459,000 | 943,000 | 1,438,000 | 1,919,000 |
| Noninterest income | 30,000 | 89,000 | 157,000 | 219,000 |
| Noninterest expense | 338,000 | 724,000 | 1,132,000 | 1,559,000 |
| Provision for loan losses | 95,000 | 267,000 | 527,000 | 767,000 |
| Pretax income | 56,000 | 41,000 | -64,000 | -188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 56,000 | 41,000 | -64,000 | -188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,937,000 | 5,922,000 | 5,817,000 | 5,692,000 |
| Total capital | 6,312,000 | 6,295,000 | 6,182,000 | 6,058,000 |
| Risk-weighted assets | 29,636,000 | 29,538,000 | 28,940,000 | 28,966,000 |
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