Call reports 2008
CITIZENS STATE BANK OF ROSEAU — 2008
What CITIZENS STATE BANK OF ROSEAU 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 | 157,427,000 | 160,007,000 | 160,176,000 | 164,903,000 |
| Total loans | 69,882,000 | 71,341,000 | 74,909,000 | 75,115,000 |
| Allowance for loan losses | 773,000 | 777,000 | 783,000 | 850,000 |
| Securities available for sale | 76,423,000 | 78,294,000 | 76,871,000 | 78,840,000 |
| Securities held to maturity | 789,000 | 789,000 | 789,000 | 690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,877,000 | 132,332,000 | 129,485,000 | 134,190,000 |
| Interest-bearing deposits | 112,595,000 | 111,688,000 | 109,042,000 | 117,873,000 |
| Noninterest-bearing deposits | 16,282,000 | 20,644,000 | 20,443,000 | 16,317,000 |
| Equity capital | 20,466,000 | 19,581,000 | 20,360,000 | 21,743,000 |
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 | 2,228,000 | 4,428,000 | 6,643,000 | 8,834,000 |
| Interest expense | 1,060,000 | 2,066,000 | 3,024,000 | 3,904,000 |
| Net interest income | 1,168,000 | 2,362,000 | 3,619,000 | 4,930,000 |
| Noninterest income | 189,000 | 406,000 | 642,000 | 864,000 |
| Noninterest expense | 873,000 | 1,672,000 | 2,522,000 | 3,384,000 |
| Provision for loan losses | 6,000 | 12,000 | 27,000 | 157,000 |
| Pretax income | 495,000 | 1,102,000 | 1,731,000 | 2,274,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | 495,000 | 1,101,000 | 1,730,000 | 2,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,777,000 | 20,144,000 | 20,497,000 | 20,839,000 |
| Total capital | 20,550,000 | 20,921,000 | 21,280,000 | 21,689,000 |
| Risk-weighted assets | 92,275,000 | 94,230,000 | 96,495,000 | 99,926,000 |