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 | 100,490,000 | 96,243,000 | 97,086,000 | 97,720,000 |
| Total loans | 47,377,000 | 51,026,000 | 53,919,000 | 54,381,000 |
| Allowance for loan losses | 508,000 | 533,000 | 562,000 | 552,000 |
| Securities available for sale | 41,445,000 | 37,302,000 | 33,057,000 | 32,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,821,000 | 85,960,000 | 86,207,000 | 86,665,000 |
| Interest-bearing deposits | 70,148,000 | 67,801,000 | 68,226,000 | 70,545,000 |
| Noninterest-bearing deposits | 19,673,000 | 18,159,000 | 17,981,000 | 16,121,000 |
| Equity capital | 10,453,000 | 9,947,000 | 10,411,000 | 10,392,000 |
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 | 1,323,000 | 2,674,000 | 4,099,000 | 5,501,000 |
| Interest expense | 408,000 | 779,000 | 1,141,000 | 1,497,000 |
| Net interest income | 915,000 | 1,895,000 | 2,958,000 | 4,004,000 |
| Noninterest income | 155,000 | 336,000 | 532,000 | 685,000 |
| Noninterest expense | 633,000 | 1,274,000 | 2,013,000 | 2,713,000 |
| Provision for loan losses | 37,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 419,000 | 912,000 | 1,400,000 | 1,862,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 419,000 | 912,000 | 1,400,000 | 1,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,673,000 | 9,531,000 | 9,594,000 | 9,626,000 |
| Total capital | 10,181,000 | 10,064,000 | 10,158,000 | 10,178,000 |
| Risk-weighted assets | 51,979,000 | 53,777,000 | 55,986,000 | 56,758,000 |
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