Call reports 2009
CITIZENS STATE BANK — 2009
What CITIZENS STATE BANK 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 | 68,406,000 | 69,325,000 | 72,233,000 | 79,830,000 |
| Total loans | 46,029,000 | 48,480,000 | 49,166,000 | 53,100,000 |
| Allowance for loan losses | 394,000 | 425,000 | 456,000 | 482,000 |
| Securities available for sale | 8,095,000 | 6,430,000 | 5,044,000 | 4,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,272,000 | 61,028,000 | 64,667,000 | 72,255,000 |
| Interest-bearing deposits | 52,397,000 | 52,221,000 | 55,666,000 | 62,007,000 |
| Noninterest-bearing deposits | 10,875,000 | 8,807,000 | 9,001,000 | 10,248,000 |
| Equity capital | 4,936,000 | 5,041,000 | 5,304,000 | 5,428,000 |
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 | 958,000 | 1,976,000 | 2,991,000 | 4,047,000 |
| Interest expense | 335,000 | 653,000 | 964,000 | 1,271,000 |
| Net interest income | 623,000 | 1,323,000 | 2,027,000 | 2,776,000 |
| Noninterest income | 95,000 | 190,000 | 290,000 | 406,000 |
| Noninterest expense | 444,000 | 932,000 | 1,399,000 | 1,954,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 140,000 |
| Pretax income | 244,000 | 521,000 | 828,000 | 1,088,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 244,000 | 521,000 | 828,000 | 1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,717,000 | 4,897,000 | 5,093,000 | 5,231,000 |
| Total capital | 5,111,000 | 5,322,000 | 5,549,000 | 5,713,000 |
| Risk-weighted assets | 42,652,000 | 44,882,000 | 48,082,000 | 51,698,000 |