Call reports 2008
CITIZENS STATE BANK OF NEW CASTLE — 2008
What CITIZENS STATE BANK OF NEW CASTLE 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 | 224,844,000 | 227,905,000 | 244,440,000 | 232,473,000 |
| Total loans | 110,772,000 | 117,609,000 | 121,002,000 | 124,095,000 |
| Allowance for loan losses | 1,283,000 | 1,306,000 | 1,388,000 | 1,499,000 |
| Securities available for sale | 63,292,000 | 58,588,000 | 58,662,000 | 54,989,000 |
| Securities held to maturity | 21,560,000 | 20,852,000 | 25,614,000 | 26,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,597,000 | 200,382,000 | 215,976,000 | 205,504,000 |
| Interest-bearing deposits | 188,224,000 | 191,478,000 | 207,339,000 | 198,376,000 |
| Noninterest-bearing deposits | 8,373,000 | 8,904,000 | 8,637,000 | 7,128,000 |
| Equity capital | 25,712,000 | 25,193,000 | 26,087,000 | 25,055,000 |
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 | 2,952,000 | 5,842,000 | 8,774,000 | 11,640,000 |
| Interest expense | 1,019,000 | 1,910,000 | 2,778,000 | 3,571,000 |
| Net interest income | 1,933,000 | 3,932,000 | 5,996,000 | 8,069,000 |
| Noninterest income | 722,000 | 1,463,000 | 2,293,000 | 3,032,000 |
| Noninterest expense | 1,792,000 | 3,626,000 | 5,526,000 | 7,366,000 |
| Provision for loan losses | 43,000 | 103,000 | 228,000 | 384,000 |
| Pretax income | 820,000 | 1,667,000 | 2,536,000 | 3,352,000 |
| Income tax | 206,000 | 452,000 | 691,000 | 926,000 |
| Net income | 614,000 | 1,215,000 | 1,845,000 | 2,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,379,000 | 25,638,000 | 25,908,000 | 24,657,000 |
| Total capital | 26,662,000 | 26,944,000 | 27,296,000 | 26,156,000 |
| Risk-weighted assets | 127,833,000 | 130,814,000 | 135,288,000 | 133,330,000 |