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 | 79,759,000 | 80,558,000 | 80,421,000 | 83,765,000 |
| Total loans | 36,638,000 | 37,457,000 | 38,865,000 | 37,391,000 |
| Allowance for loan losses | 497,000 | 489,000 | 488,000 | 830,000 |
| Securities available for sale | 35,746,000 | 35,301,000 | 36,219,000 | 36,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,434,000 | 62,144,000 | 61,037,000 | 65,691,000 |
| Interest-bearing deposits | 53,950,000 | 55,175,000 | 53,257,000 | 56,927,000 |
| Noninterest-bearing deposits | 7,484,000 | 6,969,000 | 7,780,000 | 8,764,000 |
| Equity capital | 16,860,000 | 17,101,000 | 18,022,000 | 17,246,000 |
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 | 1,099,000 | 2,186,000 | 3,273,000 | 4,370,000 |
| Interest expense | 333,000 | 672,000 | 988,000 | 1,296,000 |
| Net interest income | 766,000 | 1,514,000 | 2,285,000 | 3,074,000 |
| Noninterest income | 73,000 | 146,000 | 234,000 | 327,000 |
| Noninterest expense | 431,000 | 861,000 | 1,310,000 | 1,863,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 443,000 | 838,000 | 1,253,000 | 1,283,000 |
| Income tax | 22,000 | 42,000 | 62,000 | 68,000 |
| Net income | 421,000 | 796,000 | 1,191,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,915,000 | 16,204,000 | 16,512,000 | 16,018,000 |
| Total capital | 16,412,000 | 16,693,000 | 17,000,000 | 16,614,000 |
| Risk-weighted assets | 44,965,000 | 46,415,000 | 48,039,000 | 47,419,000 |