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 | 77,608,000 | 80,602,000 | 83,980,000 | 84,194,000 |
| Total loans | 64,538,000 | 63,892,000 | 64,094,000 | 65,162,000 |
| Allowance for loan losses | 623,000 | 668,000 | 631,000 | 624,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,035,000 | 3,484,000 | 3,484,000 | 4,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,626,000 | 71,039,000 | 74,366,000 | 74,665,000 |
| Interest-bearing deposits | 49,313,000 | 56,050,000 | 59,033,000 | 58,970,000 |
| Noninterest-bearing deposits | 16,313,000 | 14,989,000 | 15,332,000 | 15,694,000 |
| Equity capital | 8,058,000 | 7,904,000 | 7,906,000 | 7,969,000 |
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 | 960,000 | 1,955,000 | 3,001,000 | 4,028,000 |
| Interest expense | 302,000 | 653,000 | 1,007,000 | 1,347,000 |
| Net interest income | 658,000 | 1,302,000 | 1,994,000 | 2,681,000 |
| Noninterest income | 214,000 | 353,000 | 492,000 | 639,000 |
| Noninterest expense | 756,000 | 1,490,000 | 2,243,000 | 3,011,000 |
| Provision for loan losses | 40,000 | 130,000 | 140,000 | 144,000 |
| Pretax income | 76,000 | 35,000 | 103,000 | 165,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | 35,000 | 103,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,058,000 | 7,904,000 | 7,906,000 | 7,969,000 |
| Total capital | 8,681,000 | 8,572,000 | 8,537,000 | 8,593,000 |
| Risk-weighted assets | 69,844,000 | 70,185,000 | 71,417,000 | 72,754,000 |