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 | 67,995,000 | 69,511,000 | 68,549,000 | 68,739,000 |
| Total loans | 29,886,000 | 31,954,000 | 32,694,000 | 32,769,000 |
| Allowance for loan losses | 144,000 | 143,000 | 165,000 | 146,000 |
| Securities available for sale | 31,989,000 | 33,119,000 | 31,340,000 | 31,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,816,000 | 60,416,000 | 58,729,000 | 58,956,000 |
| Interest-bearing deposits | 52,195,000 | 54,340,000 | 53,072,000 | 52,829,000 |
| Noninterest-bearing deposits | 6,621,000 | 6,076,000 | 5,657,000 | 6,127,000 |
| Equity capital | 8,503,000 | 8,516,000 | 9,057,000 | 8,423,000 |
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 | 1,039,000 | 2,101,000 | 3,217,000 | 4,281,000 |
| Interest expense | 331,000 | 653,000 | 947,000 | 1,218,000 |
| Net interest income | 708,000 | 1,448,000 | 2,270,000 | 3,063,000 |
| Noninterest income | 112,000 | 179,000 | 236,000 | 319,000 |
| Noninterest expense | 601,000 | 1,183,000 | 1,828,000 | 2,504,000 |
| Provision for loan losses | 20,000 | 60,000 | 97,000 | 167,000 |
| Pretax income | 199,000 | 477,000 | 716,000 | 951,000 |
| Income tax | 46,000 | 114,000 | 165,000 | 204,000 |
| Net income | 153,000 | 363,000 | 551,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,100,000 | 8,309,000 | 8,497,000 | 7,959,000 |
| Total capital | 8,244,000 | 8,452,000 | 8,662,000 | 8,105,000 |
| Risk-weighted assets | 29,335,000 | 31,727,000 | 31,642,000 | 32,096,000 |