Call reports 2008
CITIZENS STATE BANK, THE — 2008
What CITIZENS STATE BANK, THE 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 | 285,641,000 | 288,971,000 | 288,317,000 | 304,366,000 |
| Total loans | 226,675,000 | 232,615,000 | 233,285,000 | 240,742,000 |
| Allowance for loan losses | 2,997,000 | 3,152,000 | 3,295,000 | 3,054,000 |
| Securities available for sale | 36,842,000 | 37,111,000 | 40,495,000 | 50,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,120,000 | 197,852,000 | 204,600,000 | 212,859,000 |
| Interest-bearing deposits | 186,884,000 | 182,389,000 | 188,258,000 | 194,069,000 |
| Noninterest-bearing deposits | 14,236,000 | 15,463,000 | 16,342,000 | 18,790,000 |
| Equity capital | 27,922,000 | 27,287,000 | 27,174,000 | 29,036,000 |
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 | 4,814,000 | 9,347,000 | 13,850,000 | 18,366,000 |
| Interest expense | 2,383,000 | 4,533,000 | 6,652,000 | 8,672,000 |
| Net interest income | 2,431,000 | 4,814,000 | 7,198,000 | 9,694,000 |
| Noninterest income | 149,000 | 289,000 | 451,000 | 583,000 |
| Noninterest expense | 898,000 | 1,785,000 | 2,644,000 | 3,648,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,532,000 | 3,018,000 | 4,555,000 | 6,051,000 |
| Income tax | 64,000 | 128,000 | 193,000 | 245,000 |
| Net income | 1,468,000 | 2,890,000 | 4,362,000 | 5,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,642,000 | 25,907,000 | 25,681,000 | 26,454,000 |
| Total capital | 28,350,000 | 28,766,000 | 28,611,000 | 29,464,000 |
| Risk-weighted assets | 230,769,000 | 234,221,000 | 234,014,000 | 240,732,000 |
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