Call reports 2009
CITIZENS STATE BANK OF POMONA, THE — 2009
What CITIZENS STATE BANK OF POMONA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Total assets | 24,030,000 | 24,546,000 |
| Total loans | 15,825,000 | 16,307,000 |
| Allowance for loan losses | 329,000 | 236,000 |
| Securities available for sale | 5,831,000 | 5,714,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 22,094,000 | 22,640,000 |
| Interest-bearing deposits | 19,607,000 | 20,406,000 |
| Noninterest-bearing deposits | 2,487,000 | 2,234,000 |
| Equity capital | 1,825,000 | 1,777,000 |
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 |
|---|---|---|
| Interest income | 334,000 | 664,000 |
| Interest expense | 121,000 | 214,000 |
| Net interest income | 213,000 | 450,000 |
| Noninterest income | 55,000 | 114,000 |
| Noninterest expense | 293,000 | 554,000 |
| Provision for loan losses | 80,000 | 190,000 |
| Pretax income | -105,000 | -180,000 |
| Income tax | -38,000 | -66,000 |
| Net income | -67,000 | -114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Tier 1 capital | 1,812,000 | 1,765,000 |
| Total capital | 2,003,000 | 1,959,000 |
| Risk-weighted assets | 14,834,000 | 15,135,000 |