Call reports 2008
CITIZENS STATE BANK AND TRUST COMPANY — 2008
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 64,760,000 | 65,386,000 | 65,452,000 | 66,223,000 |
| Total loans | 34,700,000 | 33,961,000 | 35,304,000 | 36,228,000 |
| Allowance for loan losses | 416,000 | 377,000 | 370,000 | 365,000 |
| Securities available for sale | 20,380,000 | 22,238,000 | 23,986,000 | 20,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,397,000 | 54,341,000 | 54,336,000 | 54,667,000 |
| Interest-bearing deposits | 42,952,000 | 43,350,000 | 43,351,000 | 42,352,000 |
| Noninterest-bearing deposits | 10,445,000 | 10,991,000 | 10,985,000 | 12,315,000 |
| Equity capital | 11,028,000 | 10,759,000 | 10,839,000 | 11,232,000 |
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 | 935,000 | 1,869,000 | 2,758,000 | 3,614,000 |
| Interest expense | 265,000 | 503,000 | 719,000 | 908,000 |
| Net interest income | 670,000 | 1,366,000 | 2,039,000 | 2,706,000 |
| Noninterest income | 161,000 | 305,000 | 443,000 | 617,000 |
| Noninterest expense | 486,000 | 1,042,000 | 1,553,000 | 2,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 345,000 | 629,000 | 929,000 | 1,235,000 |
| Income tax | 15,000 | 32,000 | 47,000 | 62,000 |
| Net income | 330,000 | 597,000 | 882,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,604,000 | 10,599,000 | 10,671,000 | 10,737,000 |
| Total capital | 11,020,000 | 10,976,000 | 11,041,000 | 11,102,000 |
| Risk-weighted assets | 44,762,000 | 42,993,000 | 43,855,000 | 45,586,000 |