Call reports 2009
CITIZENS STATE BANK — 2009
What CITIZENS STATE BANK 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 | 153,038,000 | 155,379,000 | 153,605,000 | 161,612,000 |
| Total loans | 130,538,000 | 132,449,000 | 134,498,000 | 134,824,000 |
| Allowance for loan losses | 1,510,000 | 1,521,000 | 1,521,000 | 1,521,000 |
| Securities available for sale | 5,291,000 | 6,507,000 | 6,894,000 | 7,187,000 |
| Securities held to maturity | 4,520,000 | 3,637,000 | 3,475,000 | 3,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,545,000 | 138,391,000 | 134,398,000 | 142,441,000 |
| Interest-bearing deposits | 121,606,000 | 122,750,000 | 120,064,000 | 123,503,000 |
| Noninterest-bearing deposits | 14,939,000 | 15,641,000 | 14,334,000 | 18,938,000 |
| Equity capital | 14,732,000 | 15,247,000 | 15,790,000 | 15,753,000 |
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 | 2,080,000 | 4,341,000 | 6,511,000 | 8,684,000 |
| Interest expense | 836,000 | 1,596,000 | 2,305,000 | 2,993,000 |
| Net interest income | 1,244,000 | 2,745,000 | 4,206,000 | 5,691,000 |
| Noninterest income | 107,000 | 282,000 | 534,000 | 792,000 |
| Noninterest expense | 1,017,000 | 2,018,000 | 3,054,000 | 4,096,000 |
| Provision for loan losses | 35,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 299,000 | 961,000 | 1,638,000 | 2,305,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 299,000 | 961,000 | 1,638,000 | 2,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,088,000 | 13,651,000 | 14,169,000 | 14,157,000 |
| Total capital | 14,598,000 | 15,172,000 | 15,690,000 | 15,678,000 |
| Risk-weighted assets | 133,567,000 | 134,537,000 | 136,380,000 | 139,511,000 |
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