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 | 230,344,000 | 235,019,000 | 244,988,000 | 247,261,000 |
| Total loans | 157,171,000 | 157,720,000 | 158,801,000 | 162,253,000 |
| Allowance for loan losses | 1,688,000 | 1,531,000 | 1,386,000 | 1,804,000 |
| Securities available for sale | 43,372,000 | 35,408,000 | 38,851,000 | 37,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,935,000 | 193,024,000 | 200,478,000 | 204,299,000 |
| Interest-bearing deposits | 144,105,000 | 146,714,000 | 157,350,000 | 162,120,000 |
| Noninterest-bearing deposits | 44,831,000 | 46,310,000 | 43,128,000 | 42,179,000 |
| Equity capital | 18,902,000 | 19,599,000 | 22,372,000 | 21,390,000 |
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 | 3,088,000 | 6,104,000 | 9,073,000 | 12,085,000 |
| Interest expense | 1,105,000 | 2,179,000 | 3,206,000 | 4,173,000 |
| Net interest income | 1,983,000 | 3,925,000 | 5,867,000 | 7,912,000 |
| Noninterest income | 478,000 | 972,000 | 1,514,000 | 2,041,000 |
| Noninterest expense | 1,558,000 | 3,333,000 | 4,964,000 | 6,895,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 1,100,000 |
| Pretax income | 903,000 | 1,684,000 | 2,287,000 | 2,078,000 |
| Income tax | 194,000 | 319,000 | 410,000 | 208,000 |
| Net income | 709,000 | 1,365,000 | 1,877,000 | 1,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,929,000 | 21,586,000 | 22,097,000 | 22,090,000 |
| Total capital | 22,617,000 | 23,117,000 | 23,483,000 | 23,894,000 |
| Risk-weighted assets | 162,823,000 | 162,082,000 | 161,490,000 | 165,680,000 |
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