Call reports 2008
CITIZENS FIRST STATE BANK OF WALNUT — 2008
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 65,890,000 | 64,607,000 | 61,945,000 | 61,193,000 |
| Total loans | 47,516,000 | 46,718,000 | 43,294,000 | 42,170,000 |
| Allowance for loan losses | 570,000 | 464,000 | 476,000 | 520,000 |
| Securities available for sale | 8,314,000 | 11,432,000 | 12,617,000 | 12,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,494,000 | 53,757,000 | 50,080,000 | 49,526,000 |
| Interest-bearing deposits | 48,105,000 | 47,507,000 | 44,677,000 | 42,522,000 |
| Noninterest-bearing deposits | 6,389,000 | 6,250,000 | 5,403,000 | 7,004,000 |
| Equity capital | 5,775,000 | 5,696,000 | 5,711,000 | 5,910,000 |
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 | 1,048,000 | 2,008,000 | 2,926,000 | 3,799,000 |
| Interest expense | 493,000 | 938,000 | 1,319,000 | 1,654,000 |
| Net interest income | 555,000 | 1,070,000 | 1,607,000 | 2,145,000 |
| Noninterest income | 47,000 | 96,000 | 146,000 | 194,000 |
| Noninterest expense | 496,000 | 1,025,000 | 1,567,000 | 2,107,000 |
| Provision for loan losses | 139,000 | 48,000 | 57,000 | 126,000 |
| Pretax income | -33,000 | 93,000 | 129,000 | 109,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 0 |
| Net income | -35,000 | 90,000 | 124,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,092,000 | 5,138,000 | 5,150,000 | 5,110,000 |
| Total capital | 5,640,000 | 5,602,000 | 5,626,000 | 5,617,000 |
| Risk-weighted assets | 43,894,000 | 43,830,000 | 41,735,000 | 40,546,000 |