Call reports 2009
CITIZENS STATE BANK OF CROPSEY — 2009
What CITIZENS STATE BANK OF CROPSEY 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 | 37,819,000 | 39,087,000 | 42,908,000 | 46,296,000 |
| Total loans | 29,938,000 | 31,446,000 | 32,254,000 | 32,506,000 |
| Allowance for loan losses | 241,000 | 247,000 | 258,000 | 273,000 |
| Securities available for sale | 3,801,000 | 3,622,000 | 3,920,000 | 2,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,892,000 | 33,062,000 | 36,505,000 | 40,253,000 |
| Interest-bearing deposits | 28,882,000 | 29,669,000 | 33,358,000 | 35,122,000 |
| Noninterest-bearing deposits | 3,010,000 | 3,392,000 | 3,147,000 | 5,131,000 |
| Equity capital | 2,868,000 | 2,903,000 | 3,251,000 | 2,969,000 |
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 | 523,000 | 1,063,000 | 1,631,000 | 2,204,000 |
| Interest expense | 221,000 | 425,000 | 626,000 | 833,000 |
| Net interest income | 302,000 | 638,000 | 1,005,000 | 1,371,000 |
| Noninterest income | 25,000 | 72,000 | 102,000 | 122,000 |
| Noninterest expense | 258,000 | 543,000 | 820,000 | 1,091,000 |
| Provision for loan losses | 8,000 | 17,000 | 29,000 | 287,000 |
| Pretax income | 61,000 | 151,000 | 259,000 | 35,000 |
| Income tax | 20,000 | 49,000 | 84,000 | 34,000 |
| Net income | 41,000 | 102,000 | 175,000 | 1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,825,000 | 2,881,000 | 3,178,000 | 2,948,000 |
| Total capital | 3,066,000 | 3,128,000 | 3,436,000 | 3,221,000 |
| Risk-weighted assets | 30,603,000 | 32,190,000 | 33,951,000 | 34,917,000 |