Call reports 2008
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2008
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 66,189,000 | 67,623,000 | 69,708,000 | 77,127,000 |
| Total loans | 36,935,000 | 37,568,000 | 35,371,000 | 38,843,000 |
| Allowance for loan losses | 828,000 | 830,000 | 894,000 | 843,000 |
| Securities available for sale | 22,352,000 | 23,111,000 | 25,130,000 | 26,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,320,000 | 54,584,000 | 55,853,000 | 62,153,000 |
| Interest-bearing deposits | 41,890,000 | 41,133,000 | 40,154,000 | 46,585,000 |
| Noninterest-bearing deposits | 11,430,000 | 13,451,000 | 15,699,000 | 15,568,000 |
| Equity capital | 6,280,000 | 5,934,000 | 6,181,000 | 6,800,000 |
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 | 996,000 | 1,976,000 | 2,944,000 | 3,911,000 |
| Interest expense | 373,000 | 711,000 | 1,025,000 | 1,341,000 |
| Net interest income | 623,000 | 1,265,000 | 1,919,000 | 2,570,000 |
| Noninterest income | 166,000 | 325,000 | 491,000 | 642,000 |
| Noninterest expense | 527,000 | 1,045,000 | 1,555,000 | 2,124,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 277,000 | 572,000 | 882,000 | 1,115,000 |
| Income tax | 9,000 | 21,000 | 35,000 | 41,000 |
| Net income | 268,000 | 551,000 | 847,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,877,000 | 5,980,000 | 6,098,000 | 6,146,000 |
| Total capital | 6,357,000 | 6,471,000 | 6,594,000 | 6,692,000 |
| Risk-weighted assets | 39,902,000 | 40,749,000 | 39,269,000 | 43,352,000 |