Call reports 2008
CITIZENS STATE BANK OF CROPSEY — 2008
What CITIZENS STATE BANK OF CROPSEY 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 | 33,956,000 | 34,552,000 | 34,831,000 | 36,574,000 |
| Total loans | 23,654,000 | 24,576,000 | 26,797,000 | 29,072,000 |
| Allowance for loan losses | 223,000 | 231,000 | 239,000 | 233,000 |
| Securities available for sale | 2,612,000 | 4,105,000 | 4,614,000 | 4,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,424,000 | 30,259,000 | 29,738,000 | 31,045,000 |
| Interest-bearing deposits | 26,690,000 | 26,821,000 | 26,998,000 | 27,036,000 |
| Noninterest-bearing deposits | 2,734,000 | 3,439,000 | 2,740,000 | 4,009,000 |
| Equity capital | 2,500,000 | 2,476,000 | 2,520,000 | 2,837,000 |
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 | 491,000 | 964,000 | 1,465,000 | 1,980,000 |
| Interest expense | 245,000 | 488,000 | 727,000 | 986,000 |
| Net interest income | 246,000 | 476,000 | 738,000 | 994,000 |
| Noninterest income | 17,000 | 49,000 | 73,000 | 97,000 |
| Noninterest expense | 223,000 | 443,000 | 677,000 | 898,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 32,000 | 67,000 | 111,000 | 163,000 |
| Income tax | 10,000 | 21,000 | 36,000 | 29,000 |
| Net income | 22,000 | 46,000 | 75,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,478,000 | 2,499,000 | 2,521,000 | 2,779,000 |
| Total capital | 2,701,000 | 2,730,000 | 2,760,000 | 3,012,000 |
| Risk-weighted assets | 26,046,000 | 26,421,000 | 28,191,000 | 29,878,000 |