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 | 49,674,000 | 50,661,000 | 52,769,000 | 52,282,000 |
| Total loans | 20,022,000 | 20,154,000 | 20,513,000 | 20,667,000 |
| Allowance for loan losses | 447,000 | 462,000 | 485,000 | 430,000 |
| Securities available for sale | 19,383,000 | 20,101,000 | 20,960,000 | 19,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,694,000 | 41,752,000 | 43,600,000 | 43,323,000 |
| Interest-bearing deposits | 34,966,000 | 34,294,000 | 36,061,000 | 35,086,000 |
| Noninterest-bearing deposits | 5,728,000 | 7,458,000 | 7,539,000 | 8,237,000 |
| Equity capital | 8,840,000 | 8,759,000 | 8,972,000 | 8,748,000 |
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 | 604,000 | 1,208,000 | 1,800,000 | 2,374,000 |
| Interest expense | 91,000 | 179,000 | 267,000 | 355,000 |
| Net interest income | 513,000 | 1,029,000 | 1,533,000 | 2,019,000 |
| Noninterest income | 39,000 | 84,000 | 143,000 | 192,000 |
| Noninterest expense | 416,000 | 834,000 | 1,257,000 | 1,745,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 29,000 |
| Pretax income | 121,000 | 249,000 | 374,000 | 437,000 |
| Income tax | 10,000 | 24,000 | 40,000 | 23,000 |
| Net income | 111,000 | 225,000 | 334,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,559,000 | 8,463,000 | 8,573,000 | 8,448,000 |
| Total capital | 8,876,000 | 8,777,000 | 8,893,000 | 8,769,000 |
| Risk-weighted assets | 25,208,000 | 24,964,000 | 25,464,000 | 25,566,000 |
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