Call reports 2009
CITIZENS STATE BANK OF NEW CASTLE — 2009
What CITIZENS STATE BANK OF NEW CASTLE 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 | 232,162,000 | 234,346,000 | 252,715,000 | 244,809,000 |
| Total loans | 123,072,000 | 128,188,000 | 129,370,000 | 122,386,000 |
| Allowance for loan losses | 1,627,000 | 1,778,000 | 3,206,000 | 3,367,000 |
| Securities available for sale | 52,373,000 | 46,890,000 | 43,583,000 | 45,435,000 |
| Securities held to maturity | 25,025,000 | 32,387,000 | 37,870,000 | 43,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,355,000 | 206,276,000 | 225,366,000 | 218,120,000 |
| Interest-bearing deposits | 197,010,000 | 198,146,000 | 217,056,000 | 209,696,000 |
| Noninterest-bearing deposits | 7,345,000 | 8,130,000 | 8,310,000 | 8,424,000 |
| Equity capital | 25,503,000 | 25,654,000 | 25,006,000 | 24,912,000 |
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 | 2,741,000 | 5,458,000 | 8,209,000 | 10,888,000 |
| Interest expense | 662,000 | 1,275,000 | 1,842,000 | 2,344,000 |
| Net interest income | 2,079,000 | 4,183,000 | 6,367,000 | 8,544,000 |
| Noninterest income | 659,000 | 1,292,000 | 1,942,000 | 2,610,000 |
| Noninterest expense | 1,888,000 | 3,903,000 | 5,797,000 | 7,983,000 |
| Provision for loan losses | 150,000 | 342,000 | 2,143,000 | 2,416,000 |
| Pretax income | 700,000 | 1,230,000 | 369,000 | 608,000 |
| Income tax | 169,000 | 280,000 | -161,000 | -136,000 |
| Net income | 531,000 | 950,000 | 530,000 | 744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,855,000 | 24,941,000 | 24,160,000 | 24,015,000 |
| Total capital | 26,482,000 | 26,656,000 | 25,890,000 | 25,734,000 |
| Risk-weighted assets | 132,890,000 | 137,170,000 | 136,955,000 | 135,836,000 |