Call reports 2008
CITIZENS STATE BANK — 2008
What CITIZENS STATE BANK 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 | 114,604,000 | 115,432,000 | 113,115,000 | 157,217,000 |
| Total loans | 101,334,000 | 100,764,000 | 98,066,000 | 127,628,000 |
| Allowance for loan losses | 1,054,000 | 895,000 | 960,000 | 1,590,000 |
| Securities available for sale | 6,120,000 | 5,568,000 | 5,293,000 | 4,771,000 |
| Securities held to maturity | 226,000 | 223,000 | 221,000 | 5,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,852,000 | 104,375,000 | 101,879,000 | 141,431,000 |
| Interest-bearing deposits | 92,866,000 | 92,198,000 | 89,762,000 | 119,237,000 |
| Noninterest-bearing deposits | 10,986,000 | 12,177,000 | 12,117,000 | 22,194,000 |
| Equity capital | 10,172,000 | 10,533,000 | 10,611,000 | 14,842,000 |
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 | 1,895,000 | 3,931,000 | 5,705,000 | 9,129,000 |
| Interest expense | 940,000 | 1,776,000 | 2,535,000 | 4,158,000 |
| Net interest income | 955,000 | 2,155,000 | 3,170,000 | 4,971,000 |
| Noninterest income | 158,000 | 299,000 | 483,000 | 935,000 |
| Noninterest expense | 693,000 | 1,406,000 | 2,145,000 | 3,437,000 |
| Provision for loan losses | 61,000 | 110,000 | 215,000 | 996,000 |
| Pretax income | 359,000 | 938,000 | 1,293,000 | 1,569,000 |
| Income tax | 0 | 0 | 0 | 11,000 |
| Net income | 359,000 | 938,000 | 1,293,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,953,000 | 10,412,000 | 10,467,000 | 13,169,000 |
| Total capital | 11,007,000 | 11,307,000 | 11,427,000 | 14,759,000 |
| Risk-weighted assets | 102,965,000 | 103,184,000 | 101,684,000 | 134,014,000 |
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