Call reports 2009
CITIZENS STATE BANK, THE — 2009
What CITIZENS STATE BANK, THE 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 | 298,257,000 | 299,430,000 | 304,114,000 | 304,962,000 |
| Total loans | 237,692,000 | 238,629,000 | 242,779,000 | 242,792,000 |
| Allowance for loan losses | 3,358,000 | 3,688,000 | 3,940,000 | 3,763,000 |
| Securities available for sale | 50,739,000 | 49,014,000 | 51,221,000 | 47,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,372,000 | 213,272,000 | 210,534,000 | 219,809,000 |
| Interest-bearing deposits | 197,252,000 | 198,434,000 | 192,546,000 | 196,024,000 |
| Noninterest-bearing deposits | 16,120,000 | 14,837,000 | 17,988,000 | 23,785,000 |
| Equity capital | 28,330,000 | 28,485,000 | 29,058,000 | 28,086,000 |
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 | 4,356,000 | 8,526,000 | 12,654,000 | 16,717,000 |
| Interest expense | 1,872,000 | 3,609,000 | 5,253,000 | 6,771,000 |
| Net interest income | 2,484,000 | 4,917,000 | 7,401,000 | 9,946,000 |
| Noninterest income | 134,000 | 277,000 | 451,000 | 609,000 |
| Noninterest expense | 972,000 | 2,284,000 | 3,374,000 | 4,811,000 |
| Provision for loan losses | 300,000 | 600,000 | 850,000 | 2,157,000 |
| Pretax income | 1,346,000 | 2,310,000 | 3,628,000 | 3,587,000 |
| Income tax | 63,000 | 126,000 | 190,000 | 170,000 |
| Net income | 1,283,000 | 2,184,000 | 3,438,000 | 3,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,367,000 | 26,087,000 | 26,493,000 | 25,570,000 |
| Total capital | 29,331,000 | 29,062,000 | 29,541,000 | 28,607,000 |
| Risk-weighted assets | 236,761,000 | 237,294,000 | 242,979,000 | 242,195,000 |
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