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 | 36,428,000 | 35,669,000 | 35,155,000 | 36,634,000 |
| Total loans | 10,571,000 | 10,291,000 | 9,642,000 | 11,058,000 |
| Allowance for loan losses | 324,000 | 338,000 | 339,000 | 351,000 |
| Securities available for sale | 16,076,000 | 15,945,000 | 17,725,000 | 17,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,295,000 | 25,864,000 | 25,077,000 | 26,857,000 |
| Interest-bearing deposits | 19,582,000 | 18,491,000 | 18,525,000 | 19,837,000 |
| Noninterest-bearing deposits | 6,713,000 | 7,373,000 | 6,553,000 | 7,020,000 |
| Equity capital | 9,891,000 | 9,652,000 | 9,902,000 | 9,723,000 |
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 | 365,000 | 666,000 | 985,000 | 1,313,000 |
| Interest expense | 120,000 | 219,000 | 303,000 | 380,000 |
| Net interest income | 245,000 | 447,000 | 682,000 | 933,000 |
| Noninterest income | 52,000 | 122,000 | 178,000 | 237,000 |
| Noninterest expense | 274,000 | 542,000 | 784,000 | 1,050,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 183,000 | 202,000 | 244,000 | 280,000 |
| Income tax | 64,000 | 80,000 | 100,000 | 120,000 |
| Net income | 119,000 | 122,000 | 144,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,509,000 | 5,513,000 | 5,534,000 | 5,390,000 |
| Total capital | 5,672,000 | 5,642,000 | 5,667,000 | 5,542,000 |
| Risk-weighted assets | 12,858,000 | 11,265,000 | 10,405,000 | 11,939,000 |