Call reports 2009
CITIZENS BANK OF ELDON — 2009
What CITIZENS BANK OF ELDON 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 | 102,088,000 | 108,184,000 | 109,048,000 | 107,603,000 |
| Total loans | 54,756,000 | 55,531,000 | 56,920,000 | 57,103,000 |
| Allowance for loan losses | 590,000 | 576,000 | 624,000 | 649,000 |
| Securities available for sale | 37,255,000 | 39,917,000 | 39,785,000 | 40,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,269,000 | 90,348,000 | 91,166,000 | 89,705,000 |
| Interest-bearing deposits | 70,689,000 | 75,110,000 | 74,703,000 | 74,577,000 |
| Noninterest-bearing deposits | 13,580,000 | 15,238,000 | 16,463,000 | 15,128,000 |
| Equity capital | 16,349,000 | 16,466,000 | 16,582,000 | 16,656,000 |
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 | 1,310,000 | 2,572,000 | 3,802,000 | 4,983,000 |
| Interest expense | 377,000 | 716,000 | 1,013,000 | 1,279,000 |
| Net interest income | 933,000 | 1,856,000 | 2,789,000 | 3,704,000 |
| Noninterest income | 206,000 | 439,000 | 675,000 | 951,000 |
| Noninterest expense | 766,000 | 1,575,000 | 2,378,000 | 3,213,000 |
| Provision for loan losses | 0 | 3,000 | 92,000 | 150,000 |
| Pretax income | 373,000 | 717,000 | 994,000 | 1,292,000 |
| Income tax | 111,000 | 209,000 | 283,000 | 365,000 |
| Net income | 262,000 | 508,000 | 711,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,686,000 | 15,861,000 | 16,035,000 | 16,193,000 |
| Total capital | 16,276,000 | 16,437,000 | 16,659,000 | 16,842,000 |
| Risk-weighted assets | 57,116,000 | 58,807,000 | 59,861,000 | 60,065,000 |