Call reports 2009
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2009
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 57,402,000 | 55,681,000 | 54,583,000 | 58,721,000 |
| Total loans | 45,146,000 | 46,220,000 | 44,892,000 | 42,956,000 |
| Allowance for loan losses | 571,000 | 607,000 | 655,000 | 633,000 |
| Securities available for sale | 4,288,000 | 4,026,000 | 3,940,000 | 3,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,502,000 | 45,722,000 | 44,386,000 | 49,109,000 |
| Interest-bearing deposits | 31,339,000 | 29,576,000 | 29,630,000 | 32,145,000 |
| Noninterest-bearing deposits | 18,163,000 | 16,146,000 | 14,756,000 | 16,964,000 |
| Equity capital | 4,857,000 | 4,876,000 | 5,096,000 | 5,100,000 |
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 | 795,000 | 1,608,000 | 2,436,000 | 3,216,000 |
| Interest expense | 154,000 | 289,000 | 418,000 | 544,000 |
| Net interest income | 641,000 | 1,319,000 | 2,018,000 | 2,672,000 |
| Noninterest income | 143,000 | 289,000 | 427,000 | 561,000 |
| Noninterest expense | 459,000 | 965,000 | 1,435,000 | 1,994,000 |
| Provision for loan losses | 36,000 | 72,000 | 121,000 | 251,000 |
| Pretax income | 289,000 | 571,000 | 889,000 | 988,000 |
| Income tax | 1,000 | 9,000 | 9,000 | 9,000 |
| Net income | 288,000 | 562,000 | 880,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,717,000 | 4,757,000 | 4,951,000 | 4,947,000 |
| Total capital | 5,288,000 | 5,332,000 | 5,514,000 | 5,490,000 |
| Risk-weighted assets | 46,165,000 | 45,933,000 | 44,982,000 | 43,384,000 |
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