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 | 293,708,000 | 295,232,000 | 296,454,000 | 328,410,000 |
| Total loans | 161,394,000 | 164,879,000 | 172,202,000 | 178,793,000 |
| Allowance for loan losses | 1,205,000 | 1,422,000 | 1,521,000 | 1,843,000 |
| Securities available for sale | 90,552,000 | 85,390,000 | 80,922,000 | 114,225,000 |
| Securities held to maturity | 2,687,000 | 3,817,000 | 4,148,000 | 4,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,494,000 | 267,141,000 | 267,027,000 | 300,053,000 |
| Interest-bearing deposits | 251,611,000 | 249,963,000 | 253,040,000 | 283,065,000 |
| Noninterest-bearing deposits | 14,883,000 | 17,178,000 | 13,987,000 | 16,988,000 |
| Equity capital | 25,128,000 | 25,873,000 | 26,735,000 | 26,683,000 |
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 | 3,889,000 | 7,838,000 | 11,851,000 | 15,844,000 |
| Interest expense | 1,028,000 | 1,986,000 | 2,842,000 | 3,741,000 |
| Net interest income | 2,861,000 | 5,852,000 | 9,009,000 | 12,103,000 |
| Noninterest income | 649,000 | 1,351,000 | 2,120,000 | 2,916,000 |
| Noninterest expense | 2,230,000 | 4,799,000 | 7,372,000 | 10,128,000 |
| Provision for loan losses | 303,000 | 555,000 | 813,000 | 1,296,000 |
| Pretax income | 977,000 | 1,849,000 | 2,944,000 | 3,595,000 |
| Income tax | 305,000 | 565,000 | 890,000 | 1,087,000 |
| Net income | 672,000 | 1,284,000 | 2,054,000 | 2,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,298,000 | 24,910,000 | 25,615,000 | 25,633,000 |
| Total capital | 25,503,000 | 26,332,000 | 27,136,000 | 27,476,000 |
| Risk-weighted assets | 182,544,000 | 185,234,000 | 190,280,000 | 200,762,000 |