Call reports 2009
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2009
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 75,575,000 | 76,800,000 | 77,975,000 | 82,425,000 |
| Total loans | 38,643,000 | 39,519,000 | 38,608,000 | 39,839,000 |
| Allowance for loan losses | 846,000 | 848,000 | 854,000 | 860,000 |
| Securities available for sale | 27,276,000 | 29,248,000 | 29,039,000 | 30,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,638,000 | 60,782,000 | 62,521,000 | 67,121,000 |
| Interest-bearing deposits | 44,402,000 | 42,569,000 | 43,997,000 | 51,450,000 |
| Noninterest-bearing deposits | 16,236,000 | 18,213,000 | 18,523,000 | 15,671,000 |
| Equity capital | 6,888,000 | 6,867,000 | 7,290,000 | 7,210,000 |
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 | 951,000 | 1,914,000 | 2,855,000 | 3,787,000 |
| Interest expense | 238,000 | 489,000 | 719,000 | 966,000 |
| Net interest income | 713,000 | 1,425,000 | 2,136,000 | 2,821,000 |
| Noninterest income | 189,000 | 338,000 | 502,000 | 676,000 |
| Noninterest expense | 603,000 | 1,187,000 | 1,769,000 | 2,340,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 320,000 | 597,000 | 890,000 | 1,178,000 |
| Income tax | 10,000 | 23,000 | 35,000 | 46,000 |
| Net income | 310,000 | 574,000 | 855,000 | 1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,277,000 | 6,362,000 | 6,464,000 | 6,562,000 |
| Total capital | 6,817,000 | 6,907,000 | 6,988,000 | 7,141,000 |
| Risk-weighted assets | 42,875,000 | 43,310,000 | 44,078,000 | 46,033,000 |