Call reports 2009
CITIZENS FIRST STATE BANK OF WALNUT — 2009
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 61,817,000 | 62,298,000 | 61,233,000 | 61,078,000 |
| Total loans | 41,475,000 | 39,111,000 | 39,624,000 | 39,153,000 |
| Allowance for loan losses | 634,000 | 647,000 | 647,000 | 635,000 |
| Securities available for sale | 11,774,000 | 13,920,000 | 15,517,000 | 15,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,323,000 | 50,729,000 | 49,670,000 | 49,961,000 |
| Interest-bearing deposits | 43,142,000 | 43,994,000 | 43,447,000 | 43,034,000 |
| Noninterest-bearing deposits | 7,181,000 | 6,735,000 | 6,223,000 | 6,927,000 |
| Equity capital | 5,840,000 | 5,892,000 | 5,933,000 | 5,456,000 |
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 | 831,000 | 1,658,000 | 2,422,000 | 3,201,000 |
| Interest expense | 292,000 | 580,000 | 854,000 | 1,109,000 |
| Net interest income | 539,000 | 1,078,000 | 1,568,000 | 2,092,000 |
| Noninterest income | 44,000 | 87,000 | 137,000 | 188,000 |
| Noninterest expense | 486,000 | 946,000 | 1,465,000 | 1,999,000 |
| Provision for loan losses | 147,000 | 159,000 | 171,000 | 183,000 |
| Pretax income | -46,000 | 78,000 | 126,000 | -189,000 |
| Income tax | 0 | 1,000 | 1,000 | 0 |
| Net income | -46,000 | 77,000 | 125,000 | -189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,048,000 | 5,153,000 | 5,184,000 | 4,851,000 |
| Total capital | 5,526,000 | 5,613,000 | 5,664,000 | 5,311,000 |
| Risk-weighted assets | 38,114,000 | 36,621,000 | 38,205,000 | 36,663,000 |