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 | 131,475,000 | 131,312,000 | 131,844,000 | 154,570,000 |
| Total loans | 119,886,000 | 120,434,000 | 120,409,000 | 141,759,000 |
| Allowance for loan losses | 413,000 | 404,000 | 401,000 | 354,000 |
| Securities available for sale | 6,772,000 | 6,082,000 | 5,904,000 | 5,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,505,000 | 118,379,000 | 117,763,000 | 139,670,000 |
| Interest-bearing deposits | 111,274,000 | 112,061,000 | 111,619,000 | 133,541,000 |
| Noninterest-bearing deposits | 6,231,000 | 6,318,000 | 6,144,000 | 6,129,000 |
| Equity capital | 10,507,000 | 10,277,000 | 10,460,000 | 12,141,000 |
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 | 1,962,000 | 3,826,000 | 5,628,000 | 7,333,000 |
| Interest expense | 966,000 | 1,842,000 | 2,620,000 | 3,236,000 |
| Net interest income | 996,000 | 1,984,000 | 3,008,000 | 4,097,000 |
| Noninterest income | 92,000 | 200,000 | 302,000 | 446,000 |
| Noninterest expense | 394,000 | 793,000 | 1,371,000 | 2,032,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 694,000 | 1,391,000 | 1,939,000 | 2,511,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 694,000 | 1,391,000 | 1,939,000 | 2,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,296,000 | 10,112,000 | 10,178,000 | 11,860,000 |
| Total capital | 10,709,000 | 10,516,000 | 10,579,000 | 12,214,000 |
| Risk-weighted assets | 53,823,000 | 59,497,000 | 58,751,000 | 77,866,000 |
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