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 |
|---|---|---|
| Total assets | 64,579,000 | 66,248,000 |
| Total loans | 49,023,000 | 42,565,000 |
| Allowance for loan losses | 1,097,000 | 1,002,000 |
| Securities available for sale | 3,737,000 | 3,962,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 52,545,000 | 54,960,000 |
| Interest-bearing deposits | 46,696,000 | 49,258,000 |
| Noninterest-bearing deposits | 5,849,000 | 5,702,000 |
| Equity capital | 8,118,000 | 7,625,000 |
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 |
|---|---|---|
| Interest income | 701,000 | 1,585,000 |
| Interest expense | 335,000 | 658,000 |
| Net interest income | 366,000 | 927,000 |
| Noninterest income | 91,000 | 180,000 |
| Noninterest expense | 642,000 | 1,182,000 |
| Provision for loan losses | 1,100,000 | 2,000,000 |
| Pretax income | -1,285,000 | -2,075,000 |
| Income tax | -482,000 | -778,000 |
| Net income | -803,000 | -1,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Tier 1 capital | 5,777,000 | 5,285,000 |
| Total capital | 6,394,000 | 5,893,000 |
| Risk-weighted assets | 51,778,000 | 48,241,000 |