Call reports 2009
CITIZENS STATE BANK OF LANKIN — 2009
What CITIZENS STATE BANK OF LANKIN 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 | 38,986,000 | 37,919,000 | 37,014,000 | 36,626,000 |
| Total loans | 26,229,000 | 27,296,000 | 27,516,000 | 28,721,000 |
| Allowance for loan losses | 953,000 | 469,000 | 465,000 | 471,000 |
| Securities available for sale | 5,574,000 | 4,371,000 | 3,786,000 | 3,638,000 |
| Securities held to maturity | 24,000 | 24,000 | 24,000 | 22,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,682,000 | 34,666,000 | 33,631,000 | 33,345,000 |
| Interest-bearing deposits | 31,480,000 | 30,412,000 | 28,973,000 | 28,855,000 |
| Noninterest-bearing deposits | 4,202,000 | 4,254,000 | 4,658,000 | 4,490,000 |
| Equity capital | 3,122,000 | 3,111,000 | 3,209,000 | 3,121,000 |
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 | 526,000 | 1,070,000 | 1,611,000 | 2,131,000 |
| Interest expense | 159,000 | 304,000 | 436,000 | 548,000 |
| Net interest income | 367,000 | 766,000 | 1,175,000 | 1,583,000 |
| Noninterest income | 31,000 | 73,000 | 113,000 | -150,000 |
| Noninterest expense | 400,000 | 819,000 | 1,214,000 | 1,642,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | -2,000 | 20,000 | 74,000 | -409,000 |
| Income tax | 0 | 0 | 4,000 | 0 |
| Net income | -2,000 | 20,000 | 70,000 | -409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,097,000 | 3,119,000 | 3,170,000 | 3,089,000 |
| Total capital | 3,489,000 | 3,515,000 | 3,559,000 | 3,478,000 |
| Risk-weighted assets | 30,886,000 | 31,586,000 | 31,048,000 | 31,066,000 |