Call reports 2009
CITIZENS STATE BANK OF LOYAL — 2009
What CITIZENS STATE BANK OF LOYAL 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 | 137,304,000 | 140,301,000 | 138,896,000 | 138,917,000 |
| Total loans | 106,192,000 | 105,367,000 | 106,853,000 | 104,104,000 |
| Allowance for loan losses | 1,099,000 | 1,123,000 | 1,189,000 | 1,247,000 |
| Securities available for sale | 19,696,000 | 19,915,000 | 20,467,000 | 20,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,798,000 | 91,847,000 | 96,215,000 | 99,713,000 |
| Interest-bearing deposits | 80,337,000 | 80,830,000 | 84,452,000 | 84,896,000 |
| Noninterest-bearing deposits | 10,461,000 | 11,017,000 | 11,763,000 | 14,818,000 |
| Equity capital | 14,082,000 | 14,290,000 | 14,784,000 | 14,554,000 |
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 | 1,806,000 | 3,578,000 | 5,353,000 | 7,137,000 |
| Interest expense | 716,000 | 1,417,000 | 2,079,000 | 2,706,000 |
| Net interest income | 1,090,000 | 2,161,000 | 3,274,000 | 4,431,000 |
| Noninterest income | 313,000 | 562,000 | 770,000 | 981,000 |
| Noninterest expense | 896,000 | 1,815,000 | 2,790,000 | 3,851,000 |
| Provision for loan losses | 30,000 | 160,000 | 220,000 | 570,000 |
| Pretax income | 477,000 | 748,000 | 1,034,000 | 991,000 |
| Income tax | 96,000 | 143,000 | 213,000 | 167,000 |
| Net income | 381,000 | 605,000 | 821,000 | 824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,824,000 | 14,048,000 | 14,264,000 | 14,167,000 |
| Total capital | 14,923,000 | 15,171,000 | 15,453,000 | 15,414,000 |
| Risk-weighted assets | 107,101,000 | 105,095,000 | 110,931,000 | 102,020,000 |
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