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 | 26,187,000 | 26,087,000 | 27,912,000 | 30,206,000 |
| Total loans | 10,897,000 | 11,712,000 | 12,604,000 | 13,503,000 |
| Allowance for loan losses | 133,000 | 142,000 | 158,000 | 168,000 |
| Securities available for sale | 8,747,000 | 7,906,000 | 7,650,000 | 9,829,000 |
| Securities held to maturity | 1,114,000 | 1,115,000 | 1,115,000 | 1,115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,776,000 | 22,946,000 | 24,632,000 | 26,466,000 |
| Interest-bearing deposits | 17,249,000 | 17,582,000 | 18,862,000 | 19,083,000 |
| Noninterest-bearing deposits | 5,527,000 | 5,364,000 | 5,770,000 | 7,383,000 |
| Equity capital | 3,190,000 | 3,029,000 | 3,164,000 | 3,530,000 |
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 | 430,000 | 839,000 | 1,272,000 | 1,721,000 |
| Interest expense | 132,000 | 251,000 | 363,000 | 470,000 |
| Net interest income | 298,000 | 588,000 | 909,000 | 1,251,000 |
| Noninterest income | 39,000 | 81,000 | 122,000 | 163,000 |
| Noninterest expense | 198,000 | 388,000 | 589,000 | 801,000 |
| Provision for loan losses | 3,000 | 14,000 | 30,000 | 52,000 |
| Pretax income | 136,000 | 267,000 | 412,000 | 561,000 |
| Income tax | 27,000 | 61,000 | 102,000 | 143,000 |
| Net income | 109,000 | 206,000 | 310,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,134,000 | 3,216,000 | 3,320,000 | 3,410,000 |
| Total capital | 3,267,000 | 3,358,000 | 3,478,000 | 3,578,000 |
| Risk-weighted assets | 12,548,000 | 13,423,000 | 13,985,000 | 15,098,000 |
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