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 | 67,526,000 | 83,312,000 | 83,205,000 | 82,178,000 |
| Total loans | 43,597,000 | 59,092,000 | 59,771,000 | 58,297,000 |
| Allowance for loan losses | 413,000 | 517,000 | 530,000 | 499,000 |
| Securities available for sale | 16,199,000 | 18,785,000 | 19,331,000 | 15,055,000 |
| Securities held to maturity | 120,000 | 120,000 | 120,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,951,000 | 63,424,000 | 63,082,000 | 64,861,000 |
| Interest-bearing deposits | 40,548,000 | 57,963,000 | 57,823,000 | 59,823,000 |
| Noninterest-bearing deposits | 5,403,000 | 5,461,000 | 5,259,000 | 5,038,000 |
| Equity capital | 9,753,000 | 9,450,000 | 9,656,000 | 9,976,000 |
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 | 903,000 | 2,121,000 | 3,481,000 | 4,797,000 |
| Interest expense | 456,000 | 1,032,000 | 1,657,000 | 2,250,000 |
| Net interest income | 447,000 | 1,089,000 | 1,824,000 | 2,547,000 |
| Noninterest income | 45,000 | 93,000 | 148,000 | 199,000 |
| Noninterest expense | 263,000 | 565,000 | 1,011,000 | 1,477,000 |
| Provision for loan losses | 50,000 | 150,000 | 150,000 | 167,000 |
| Pretax income | 368,000 | 656,000 | 1,000,000 | 1,315,000 |
| Income tax | 21,000 | 39,000 | 52,000 | 160,000 |
| Net income | 347,000 | 617,000 | 948,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,727,000 | 9,732,000 | 9,802,000 | 9,742,000 |
| Total capital | 10,140,000 | 10,249,000 | 10,332,000 | 10,241,000 |
| Risk-weighted assets | 46,753,000 | 59,236,000 | 60,074,000 | 57,802,000 |
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