Call reports 2008
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2008
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 54,905,000 | 56,382,000 | 58,266,000 | 66,141,000 |
| Total loans | 42,889,000 | 44,525,000 | 43,342,000 | 44,273,000 |
| Allowance for loan losses | 508,000 | 525,000 | 555,000 | 538,000 |
| Securities available for sale | 3,625,000 | 3,578,000 | 3,570,000 | 3,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,855,000 | 48,255,000 | 50,423,000 | 58,278,000 |
| Interest-bearing deposits | 28,036,000 | 26,412,000 | 27,825,000 | 32,451,000 |
| Noninterest-bearing deposits | 18,819,000 | 21,843,000 | 22,598,000 | 25,827,000 |
| Equity capital | 4,488,000 | 4,512,000 | 4,688,000 | 4,843,000 |
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 | 880,000 | 1,742,000 | 2,550,000 | 3,352,000 |
| Interest expense | 193,000 | 362,000 | 517,000 | 679,000 |
| Net interest income | 687,000 | 1,380,000 | 2,033,000 | 2,673,000 |
| Noninterest income | 169,000 | 330,000 | 507,000 | 669,000 |
| Noninterest expense | 517,000 | 1,020,000 | 1,539,000 | 2,141,000 |
| Provision for loan losses | 19,000 | 37,000 | 67,000 | 157,000 |
| Pretax income | 320,000 | 653,000 | 934,000 | 1,044,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 319,000 | 652,000 | 933,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,405,000 | 4,476,000 | 4,649,000 | 4,759,000 |
| Total capital | 4,913,000 | 5,001,000 | 5,204,000 | 5,297,000 |
| Risk-weighted assets | 44,776,000 | 46,667,000 | 46,051,000 | 48,043,000 |
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