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 | 28,590,000 | 28,255,000 | 27,855,000 | 30,546,000 |
| Total loans | 13,191,000 | 17,610,000 | 19,628,000 | 15,402,000 |
| Allowance for loan losses | 249,000 | 250,000 | 265,000 | 99,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,243,000 | 4,321,000 | 3,440,000 | 3,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,217,000 | 25,827,000 | 25,379,000 | 28,046,000 |
| Interest-bearing deposits | 22,350,000 | 22,411,000 | 22,639,000 | 23,931,000 |
| Noninterest-bearing deposits | 3,867,000 | 3,416,000 | 2,740,000 | 4,115,000 |
| Equity capital | 2,219,000 | 2,250,000 | 2,317,000 | 2,358,000 |
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 | 315,000 | 638,000 | 1,006,000 | 1,367,000 |
| Interest expense | 121,000 | 227,000 | 335,000 | 445,000 |
| Net interest income | 194,000 | 411,000 | 671,000 | 922,000 |
| Noninterest income | 44,000 | 85,000 | 128,000 | 176,000 |
| Noninterest expense | 198,000 | 409,000 | 638,000 | 887,000 |
| Provision for loan losses | 140,000 | 140,000 | 140,000 | 140,000 |
| Pretax income | -100,000 | -53,000 | 21,000 | 71,000 |
| Income tax | -27,000 | -11,000 | -3,000 | 5,000 |
| Net income | -73,000 | -42,000 | 24,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,219,000 | 2,250,000 | 2,317,000 | 2,358,000 |
| Total capital | 2,468,000 | 2,500,000 | 2,573,000 | 2,457,000 |
| Risk-weighted assets | 20,961,000 | 21,224,000 | 20,452,000 | 18,076,000 |