Call reports 2008
CITIZEN'S BANK, VILLE PLATTE, LOUISIANA — 2008
What CITIZEN'S BANK, VILLE PLATTE, LOUISIANA 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 | 201,457,000 | 197,746,000 | 198,935,000 | 202,894,000 |
| Total loans | 97,530,000 | 100,917,000 | 102,592,000 | 101,426,000 |
| Allowance for loan losses | 1,215,000 | 1,197,000 | 1,191,000 | 1,247,000 |
| Securities available for sale | 64,550,000 | 69,086,000 | 64,275,000 | 74,217,000 |
| Securities held to maturity | 549,000 | 553,000 | 536,000 | 474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,225,000 | 175,735,000 | 176,525,000 | 180,006,000 |
| Interest-bearing deposits | 153,604,000 | 151,509,000 | 151,634,000 | 152,665,000 |
| Noninterest-bearing deposits | 25,621,000 | 24,226,000 | 24,891,000 | 27,341,000 |
| Equity capital | 20,553,000 | 20,420,000 | 20,917,000 | 21,546,000 |
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 | 2,898,000 | 5,617,000 | 8,311,000 | 10,956,000 |
| Interest expense | 1,519,000 | 2,874,000 | 4,127,000 | 5,323,000 |
| Net interest income | 1,379,000 | 2,743,000 | 4,184,000 | 5,633,000 |
| Noninterest income | 272,000 | 515,000 | 739,000 | 953,000 |
| Noninterest expense | 1,021,000 | 2,020,000 | 3,096,000 | 4,150,000 |
| Provision for loan losses | 0 | 0 | 0 | 66,000 |
| Pretax income | 630,000 | 1,238,000 | 1,827,000 | 2,370,000 |
| Income tax | 203,000 | 399,000 | 586,000 | 752,000 |
| Net income | 427,000 | 839,000 | 1,241,000 | 1,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,145,000 | 20,563,000 | 20,972,000 | 21,356,000 |
| Total capital | 21,360,000 | 21,752,000 | 22,163,000 | 22,535,000 |
| Risk-weighted assets | 98,053,000 | 95,074,000 | 96,488,000 | 94,273,000 |