Call reports 2008
CITIZENS STATE BANK AT MOHALL, THE — 2008
What CITIZENS STATE BANK AT MOHALL, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 40,687,000 | 40,125,000 | 41,758,000 | 43,623,000 |
| Total loans | 25,277,000 | 27,540,000 | 28,259,000 | 27,676,000 |
| Allowance for loan losses | 261,000 | 271,000 | 281,000 | 245,000 |
| Securities available for sale | 6,142,000 | 7,144,000 | 6,962,000 | 7,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,360,000 | 36,846,000 | 38,425,000 | 40,240,000 |
| Interest-bearing deposits | 31,032,000 | 31,475,000 | 31,718,000 | 32,388,000 |
| Noninterest-bearing deposits | 6,328,000 | 5,371,000 | 6,708,000 | 7,852,000 |
| Equity capital | 3,049,000 | 3,062,000 | 3,156,000 | 3,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 538,000 | 1,053,000 | 1,582,000 | 2,125,000 |
| Interest expense | 239,000 | 464,000 | 675,000 | 871,000 |
| Net interest income | 299,000 | 589,000 | 907,000 | 1,254,000 |
| Noninterest income | 21,000 | 45,000 | 75,000 | 110,000 |
| Noninterest expense | 196,000 | 398,000 | 594,000 | 886,000 |
| Provision for loan losses | 10,000 | 20,000 | 30,000 | 140,000 |
| Pretax income | 131,000 | 233,000 | 375,000 | 355,000 |
| Income tax | 9,000 | 16,000 | 27,000 | 35,000 |
| Net income | 122,000 | 217,000 | 348,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,021,000 | 3,066,000 | 3,173,000 | 3,120,000 |
| Total capital | 3,282,000 | 3,337,000 | 3,454,000 | 3,365,000 |
| Risk-weighted assets | 29,578,000 | 28,642,000 | 29,681,000 | 30,854,000 |