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 | 84,641,000 | 83,366,000 | 84,200,000 | 90,534,000 |
| Total loans | 43,249,000 | 44,973,000 | 47,237,000 | 47,888,000 |
| Allowance for loan losses | 406,000 | 403,000 | 426,000 | 480,000 |
| Securities available for sale | 32,923,000 | 31,425,000 | 30,370,000 | 32,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,050,000 | 74,720,000 | 74,762,000 | 79,870,000 |
| Interest-bearing deposits | 60,072,000 | 59,274,000 | 59,696,000 | 64,922,000 |
| Noninterest-bearing deposits | 14,978,000 | 15,446,000 | 15,066,000 | 14,948,000 |
| Equity capital | 9,283,000 | 8,329,000 | 9,015,000 | 10,005,000 |
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 | 1,292,000 | 2,584,000 | 3,921,000 | 5,274,000 |
| Interest expense | 484,000 | 928,000 | 1,361,000 | 1,803,000 |
| Net interest income | 808,000 | 1,656,000 | 2,560,000 | 3,471,000 |
| Noninterest income | 198,000 | 379,000 | 557,000 | 750,000 |
| Noninterest expense | 689,000 | 1,312,000 | 1,942,000 | 2,469,000 |
| Provision for loan losses | 30,000 | 57,000 | 95,000 | 182,000 |
| Pretax income | 314,000 | 711,000 | 1,125,000 | 1,617,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 314,000 | 711,000 | 1,125,000 | 1,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,244,000 | 9,151,000 | 9,185,000 | 9,254,000 |
| Total capital | 9,650,000 | 9,554,000 | 9,611,000 | 9,734,000 |
| Risk-weighted assets | 47,081,000 | 47,874,000 | 48,923,000 | 50,685,000 |
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