Call reports 2009
CITIZENS STATE BANK AND TRUST COMPANY — 2009
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 65,160,000 | 66,629,000 | 63,946,000 | 71,098,000 |
| Total loans | 32,826,000 | 33,726,000 | 37,234,000 | 38,250,000 |
| Allowance for loan losses | 367,000 | 368,000 | 369,000 | 368,000 |
| Securities available for sale | 22,665,000 | 24,180,000 | 17,787,000 | 17,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,276,000 | 54,176,000 | 51,187,000 | 58,275,000 |
| Interest-bearing deposits | 41,494,000 | 42,130,000 | 41,777,000 | 46,662,000 |
| Noninterest-bearing deposits | 11,782,000 | 12,046,000 | 9,410,000 | 11,613,000 |
| Equity capital | 11,258,000 | 11,268,000 | 11,380,000 | 11,426,000 |
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 | 783,000 | 1,525,000 | 2,296,000 | 3,035,000 |
| Interest expense | 173,000 | 336,000 | 500,000 | 656,000 |
| Net interest income | 610,000 | 1,189,000 | 1,796,000 | 2,379,000 |
| Noninterest income | 144,000 | 306,000 | 478,000 | 673,000 |
| Noninterest expense | 475,000 | 1,053,000 | 1,592,000 | 2,162,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 279,000 | 442,000 | 682,000 | 890,000 |
| Income tax | 17,000 | 32,000 | 46,000 | 35,000 |
| Net income | 262,000 | 410,000 | 636,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,836,000 | 10,880,000 | 11,000,000 | 11,110,000 |
| Total capital | 11,203,000 | 11,248,000 | 11,369,000 | 11,478,000 |
| Risk-weighted assets | 42,398,000 | 43,611,000 | 45,914,000 | 46,782,000 |