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 | 121,721,000 | 118,107,000 | 117,594,000 | 133,288,000 |
| Total loans | 53,184,000 | 60,029,000 | 63,481,000 | 62,095,000 |
| Allowance for loan losses | 1,246,000 | 1,245,000 | 1,229,000 | 720,000 |
| Securities available for sale | 50,380,000 | 48,586,000 | 46,452,000 | 39,121,000 |
| Securities held to maturity | 1,119,000 | 1,115,000 | 1,110,000 | 1,107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,208,000 | 104,483,000 | 102,256,000 | 118,736,000 |
| Interest-bearing deposits | 90,878,000 | 88,264,000 | 85,950,000 | 99,482,000 |
| Noninterest-bearing deposits | 17,330,000 | 16,219,000 | 16,306,000 | 19,254,000 |
| Equity capital | 12,721,000 | 12,936,000 | 13,762,000 | 13,981,000 |
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 | 1,442,000 | 2,852,000 | 4,354,000 | 5,864,000 |
| Interest expense | 258,000 | 490,000 | 713,000 | 920,000 |
| Net interest income | 1,184,000 | 2,362,000 | 3,641,000 | 4,944,000 |
| Noninterest income | 100,000 | 202,000 | 301,000 | 483,000 |
| Noninterest expense | 724,000 | 1,545,000 | 2,309,000 | 3,092,000 |
| Provision for loan losses | 0 | 0 | 0 | 70,000 |
| Pretax income | 560,000 | 1,019,000 | 1,633,000 | 2,265,000 |
| Income tax | 160,000 | 298,000 | 462,000 | 643,000 |
| Net income | 400,000 | 721,000 | 1,171,000 | 1,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,313,000 | 12,634,000 | 13,077,000 | 13,530,000 |
| Total capital | 13,185,000 | 13,568,000 | 14,053,000 | 14,250,000 |
| Risk-weighted assets | 69,365,000 | 74,428,000 | 77,845,000 | 77,449,000 |