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 | 31,147,000 | 31,429,000 | 32,122,000 | 32,100,000 |
| Total loans | 14,701,000 | 15,680,000 | 15,964,000 | 16,478,000 |
| Allowance for loan losses | 197,000 | 212,000 | 121,000 | 250,000 |
| Securities available for sale | 9,200,000 | 7,680,000 | 7,318,000 | 7,946,000 |
| Securities held to maturity | 1,339,000 | 1,294,000 | 1,293,000 | 1,293,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,444,000 | 27,763,000 | 28,272,000 | 28,383,000 |
| Interest-bearing deposits | 20,122,000 | 20,815,000 | 23,230,000 | 22,792,000 |
| Noninterest-bearing deposits | 7,322,000 | 6,948,000 | 5,042,000 | 5,591,000 |
| Equity capital | 3,513,000 | 3,553,000 | 3,699,000 | 3,612,000 |
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 | 456,000 | 956,000 | 1,430,000 | 1,882,000 |
| Interest expense | 100,000 | 198,000 | 291,000 | 378,000 |
| Net interest income | 356,000 | 758,000 | 1,139,000 | 1,504,000 |
| Noninterest income | 38,000 | 74,000 | 114,000 | 157,000 |
| Noninterest expense | 204,000 | 441,000 | 670,000 | 874,000 |
| Provision for loan losses | 25,000 | 59,000 | 114,000 | 339,000 |
| Pretax income | 180,000 | 332,000 | 469,000 | 478,000 |
| Income tax | 48,000 | 95,000 | 143,000 | 143,000 |
| Net income | 132,000 | 237,000 | 326,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,504,000 | 3,594,000 | 3,684,000 | 3,678,000 |
| Total capital | 3,701,000 | 3,806,000 | 3,805,000 | 3,905,000 |
| Risk-weighted assets | 16,384,000 | 17,092,000 | 17,385,000 | 17,882,000 |
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