Call reports 2009
CITIZENS STATE BANK, THE — 2009
What CITIZENS STATE BANK, 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 | 211,272,000 | 212,969,000 | 218,683,000 | 228,842,000 |
| Total loans | 119,636,000 | 117,970,000 | 116,083,000 | 116,516,000 |
| Allowance for loan losses | 1,692,000 | 1,704,000 | 1,440,000 | 1,482,000 |
| Securities available for sale | 44,023,000 | 36,931,000 | 34,987,000 | 30,583,000 |
| Securities held to maturity | 75,000 | 73,000 | 71,000 | 69,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,871,000 | 162,453,000 | 172,616,000 | 176,749,000 |
| Interest-bearing deposits | 155,615,000 | 141,257,000 | 149,788,000 | 152,625,000 |
| Noninterest-bearing deposits | 21,257,000 | 21,196,000 | 22,828,000 | 24,124,000 |
| Equity capital | 19,499,000 | 20,122,000 | 20,977,000 | 21,452,000 |
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 | 2,686,000 | 5,390,000 | 8,008,000 | 10,578,000 |
| Interest expense | 646,000 | 1,261,000 | 1,822,000 | 2,343,000 |
| Net interest income | 2,040,000 | 4,129,000 | 6,186,000 | 8,235,000 |
| Noninterest income | 257,000 | 538,000 | 877,000 | 1,153,000 |
| Noninterest expense | 1,241,000 | 2,686,000 | 4,322,000 | 5,943,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 956,000 | 1,881,000 | 2,641,000 | 3,345,000 |
| Income tax | 332,000 | 578,000 | 658,000 | 900,000 |
| Net income | 624,000 | 1,303,000 | 1,983,000 | 2,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,841,000 | 19,522,000 | 20,200,000 | 20,661,000 |
| Total capital | 20,533,000 | 21,226,000 | 21,640,000 | 22,143,000 |
| Risk-weighted assets | 149,652,000 | 152,137,000 | 156,475,000 | 161,474,000 |
Machine access — free, no API key
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