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 | 49,041,000 | 48,127,000 | 50,052,000 | 49,290,000 |
| Total loans | 19,813,000 | 19,799,000 | 19,506,000 | 19,444,000 |
| Allowance for loan losses | 447,000 | 464,000 | 482,000 | 430,000 |
| Securities available for sale | 21,520,000 | 19,916,000 | 22,694,000 | 21,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,113,000 | 39,475,000 | 41,290,000 | 40,278,000 |
| Interest-bearing deposits | 34,127,000 | 33,699,000 | 34,934,000 | 34,400,000 |
| Noninterest-bearing deposits | 5,986,000 | 5,776,000 | 6,356,000 | 5,878,000 |
| Equity capital | 8,676,000 | 8,530,000 | 8,653,000 | 8,793,000 |
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 | 676,000 | 1,340,000 | 1,977,000 | 2,614,000 |
| Interest expense | 146,000 | 283,000 | 398,000 | 503,000 |
| Net interest income | 530,000 | 1,057,000 | 1,579,000 | 2,111,000 |
| Noninterest income | 39,000 | 79,000 | 121,000 | 167,000 |
| Noninterest expense | 388,000 | 813,000 | 1,200,000 | 1,618,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 18,000 |
| Pretax income | 166,000 | 293,000 | 455,000 | 642,000 |
| Income tax | 26,000 | 39,000 | 66,000 | 102,000 |
| Net income | 140,000 | 254,000 | 389,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,383,000 | 8,427,000 | 8,562,000 | 8,508,000 |
| Total capital | 8,696,000 | 8,737,000 | 8,874,000 | 8,816,000 |
| Risk-weighted assets | 24,891,000 | 24,653,000 | 24,754,000 | 24,542,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS STATE BANK — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.