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 | 123,670,000 | 119,859,000 | 118,651,000 | 117,130,000 |
| Total loans | 74,380,000 | 66,775,000 | 69,700,000 | 65,485,000 |
| Allowance for loan losses | 1,019,000 | 1,094,000 | 1,066,000 | 1,086,000 |
| Securities available for sale | 36,002,000 | 36,798,000 | 36,763,000 | 32,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,469,000 | 111,047,000 | 108,997,000 | 108,362,000 |
| Interest-bearing deposits | 94,986,000 | 92,021,000 | 88,921,000 | 86,614,000 |
| Noninterest-bearing deposits | 20,483,000 | 19,026,000 | 20,076,000 | 21,748,000 |
| Equity capital | 7,035,000 | 7,930,000 | 8,478,000 | 8,297,000 |
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 | 1,876,000 | 3,719,000 | 5,485,000 | 7,252,000 |
| Interest expense | 295,000 | 552,000 | 783,000 | 994,000 |
| Net interest income | 1,581,000 | 3,167,000 | 4,702,000 | 6,258,000 |
| Noninterest income | 1,100,000 | 1,611,000 | 1,812,000 | 1,819,000 |
| Noninterest expense | 2,394,000 | 4,222,000 | 5,852,000 | 7,277,000 |
| Provision for loan losses | 238,000 | 350,000 | 408,000 | 552,000 |
| Pretax income | 69,000 | 249,000 | -50,000 | -69,000 |
| Income tax | 3,000 | 3,000 | 2,000 | 292,000 |
| Net income | 128,000 | 246,000 | -52,000 | -383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,686,000 | 7,679,000 | 7,968,000 | 8,286,000 |
| Total capital | 7,686,000 | 8,595,000 | 8,884,000 | 9,144,000 |
| Risk-weighted assets | 79,988,000 | 73,109,000 | 73,150,000 | 68,476,000 |