Call reports 2009
CITIZENS STATE BANK AT MOHALL, THE — 2009
What CITIZENS STATE BANK AT MOHALL, THE 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 | 45,424,000 | 44,702,000 | 47,505,000 | 46,277,000 |
| Total loans | 28,604,000 | 31,290,000 | 34,118,000 | 33,682,000 |
| Allowance for loan losses | 253,000 | 268,000 | 281,000 | 292,000 |
| Securities available for sale | 8,363,000 | 8,588,000 | 8,357,000 | 8,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,922,000 | 41,183,000 | 40,876,000 | 42,742,000 |
| Interest-bearing deposits | 34,765,000 | 34,643,000 | 34,046,000 | 33,498,000 |
| Noninterest-bearing deposits | 7,157,000 | 6,540,000 | 6,830,000 | 9,244,000 |
| Equity capital | 3,274,000 | 3,311,000 | 3,390,000 | 3,313,000 |
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 | 503,000 | 1,011,000 | 1,528,000 | 2,050,000 |
| Interest expense | 172,000 | 330,000 | 490,000 | 644,000 |
| Net interest income | 331,000 | 681,000 | 1,038,000 | 1,406,000 |
| Noninterest income | 24,000 | 60,000 | 92,000 | 131,000 |
| Noninterest expense | 213,000 | 431,000 | 691,000 | 1,042,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 153,000 |
| Pretax income | 127,000 | 280,000 | 389,000 | 342,000 |
| Income tax | 8,000 | 18,000 | 24,000 | 22,000 |
| Net income | 119,000 | 262,000 | 365,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,239,000 | 3,316,000 | 3,386,000 | 3,308,000 |
| Total capital | 3,492,000 | 3,584,000 | 3,667,000 | 3,600,000 |
| Risk-weighted assets | 31,585,000 | 31,236,000 | 33,679,000 | 33,185,000 |