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 | 82,381,000 | 76,087,000 | 76,427,000 | 91,959,000 |
| Total loans | 62,871,000 | 53,268,000 | 57,856,000 | 62,254,000 |
| Allowance for loan losses | 539,000 | 484,000 | 514,000 | 859,000 |
| Securities available for sale | 12,385,000 | 12,832,000 | 14,313,000 | 13,842,000 |
| Securities held to maturity | 120,000 | 120,000 | 120,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,205,000 | 59,438,000 | 59,396,000 | 75,342,000 |
| Interest-bearing deposits | 60,207,000 | 54,178,000 | 54,649,000 | 70,802,000 |
| Noninterest-bearing deposits | 4,998,000 | 5,260,000 | 4,747,000 | 4,540,000 |
| Equity capital | 9,749,000 | 9,337,000 | 9,624,000 | 9,297,000 |
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 | 1,209,000 | 2,332,000 | 3,491,000 | 4,539,000 |
| Interest expense | 547,000 | 1,023,000 | 1,457,000 | 1,904,000 |
| Net interest income | 662,000 | 1,309,000 | 2,034,000 | 2,635,000 |
| Noninterest income | 51,000 | 109,000 | 167,000 | 221,000 |
| Noninterest expense | 480,000 | 1,343,000 | 1,959,000 | 2,191,000 |
| Provision for loan losses | 35,000 | 35,000 | 66,000 | 420,000 |
| Pretax income | 198,000 | 85,000 | 222,000 | 41,000 |
| Income tax | 31,000 | 56,000 | 85,000 | 84,000 |
| Net income | 167,000 | 29,000 | 137,000 | -43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,660,000 | 9,358,000 | 9,466,000 | 9,288,000 |
| Total capital | 10,199,000 | 9,842,000 | 9,980,000 | 10,062,000 |
| Risk-weighted assets | 60,094,000 | 51,415,000 | 54,543,000 | 61,811,000 |
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