Call reports 2008
CITIZENS STATE BANK OF LOYAL — 2008
What CITIZENS STATE BANK OF LOYAL 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 | 128,777,000 | 129,379,000 | 128,044,000 | 137,206,000 |
| Total loans | 99,624,000 | 99,624,000 | 99,539,000 | 107,403,000 |
| Allowance for loan losses | 1,284,000 | 1,321,000 | 1,319,000 | 1,067,000 |
| Securities available for sale | 19,744,000 | 19,461,000 | 19,117,000 | 19,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,408,000 | 82,678,000 | 84,362,000 | 93,068,000 |
| Interest-bearing deposits | 80,980,000 | 69,469,000 | 72,782,000 | 80,386,000 |
| Noninterest-bearing deposits | 11,428,000 | 13,209,000 | 11,580,000 | 12,682,000 |
| Equity capital | 12,979,000 | 13,014,000 | 13,317,000 | 13,596,000 |
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 | 2,006,000 | 3,869,000 | 5,704,000 | 7,587,000 |
| Interest expense | 899,000 | 1,663,000 | 2,420,000 | 3,166,000 |
| Net interest income | 1,107,000 | 2,206,000 | 3,284,000 | 4,421,000 |
| Noninterest income | 295,000 | 527,000 | 714,000 | 903,000 |
| Noninterest expense | 783,000 | 1,570,000 | 2,327,000 | 3,409,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 190,000 |
| Pretax income | 597,000 | 1,118,000 | 1,605,000 | 1,726,000 |
| Income tax | 155,000 | 302,000 | 425,000 | 340,000 |
| Net income | 442,000 | 816,000 | 1,180,000 | 1,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,598,000 | 12,873,000 | 13,236,000 | 13,443,000 |
| Total capital | 13,873,000 | 14,158,000 | 14,512,000 | 14,510,000 |
| Risk-weighted assets | 101,977,000 | 102,740,000 | 102,015,000 | 107,377,000 |
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