Call reports 2009
CITIZENS STATE BANK OF ROSEAU — 2009
What CITIZENS STATE BANK OF ROSEAU 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 | 170,084,000 | 173,532,000 | 174,384,000 | 179,081,000 |
| Total loans | 71,373,000 | 70,667,000 | 69,529,000 | 72,348,000 |
| Allowance for loan losses | 862,000 | 878,000 | 897,000 | 950,000 |
| Securities available for sale | 83,522,000 | 85,352,000 | 85,985,000 | 86,573,000 |
| Securities held to maturity | 510,000 | 410,000 | 410,000 | 410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,111,000 | 142,868,000 | 141,922,000 | 147,850,000 |
| Interest-bearing deposits | 122,691,000 | 125,788,000 | 125,387,000 | 130,086,000 |
| Noninterest-bearing deposits | 16,420,000 | 17,080,000 | 16,535,000 | 17,764,000 |
| Equity capital | 22,108,000 | 22,097,000 | 23,455,000 | 23,493,000 |
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 | 2,102,000 | 4,137,000 | 6,120,000 | 8,100,000 |
| Interest expense | 795,000 | 1,569,000 | 2,326,000 | 3,022,000 |
| Net interest income | 1,307,000 | 2,568,000 | 3,794,000 | 5,078,000 |
| Noninterest income | 225,000 | 453,000 | 704,000 | 969,000 |
| Noninterest expense | 926,000 | 1,822,000 | 2,775,000 | 3,684,000 |
| Provision for loan losses | 22,000 | 50,000 | 77,000 | 169,000 |
| Pretax income | 584,000 | 1,155,000 | 1,652,000 | 2,203,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 584,000 | 1,154,000 | 1,650,000 | 2,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,523,000 | 20,628,000 | 20,904,000 | 21,215,000 |
| Total capital | 21,385,000 | 21,506,000 | 21,801,000 | 22,165,000 |
| Risk-weighted assets | 97,930,000 | 99,460,000 | 100,990,000 | 105,005,000 |