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 | 69,994,000 | 70,785,000 | 70,456,000 | 75,761,000 |
| Total loans | 28,834,000 | 28,278,000 | 26,635,000 | 26,229,000 |
| Allowance for loan losses | 847,000 | 840,000 | 757,000 | 917,000 |
| Securities available for sale | 34,676,000 | 34,589,000 | 34,969,000 | 39,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,833,000 | 63,340,000 | 62,469,000 | 67,134,000 |
| Interest-bearing deposits | 55,349,000 | 55,587,000 | 54,701,000 | 58,823,000 |
| Noninterest-bearing deposits | 6,484,000 | 7,753,000 | 7,768,000 | 8,312,000 |
| Equity capital | 7,148,000 | 6,424,000 | 6,956,000 | 7,699,000 |
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 | 1,042,000 | 2,084,000 | 3,088,000 | 4,097,000 |
| Interest expense | 455,000 | 854,000 | 1,212,000 | 1,560,000 |
| Net interest income | 587,000 | 1,230,000 | 1,876,000 | 2,537,000 |
| Noninterest income | 163,000 | 297,000 | 513,000 | 982,000 |
| Noninterest expense | 642,000 | 1,277,000 | 1,917,000 | 2,742,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 248,000 |
| Pretax income | 116,000 | 344,000 | 554,000 | 647,000 |
| Income tax | 0 | 0 | 0 | 147,000 |
| Net income | 116,000 | 344,000 | 554,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,483,000 | 6,686,000 | 6,872,000 | 6,794,000 |
| Total capital | 6,691,000 | 6,906,000 | 7,024,000 | 6,958,000 |
| Risk-weighted assets | 36,642,000 | 37,165,000 | 35,536,000 | 35,895,000 |
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