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 | 113,536,000 | 111,700,000 | 112,532,000 | 111,704,000 |
| Total loans | 79,079,000 | 76,178,000 | 76,491,000 | 78,843,000 |
| Allowance for loan losses | 1,182,000 | 1,257,000 | 1,326,000 | 1,306,000 |
| Securities available for sale | 24,569,000 | 26,913,000 | 27,747,000 | 27,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,371,000 | 90,408,000 | 91,409,000 | 88,519,000 |
| Interest-bearing deposits | 79,284,000 | 77,881,000 | 78,644,000 | 73,853,000 |
| Noninterest-bearing deposits | 13,087,000 | 12,527,000 | 12,765,000 | 14,666,000 |
| Equity capital | 11,103,000 | 11,166,000 | 11,801,000 | 11,899,000 |
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 | 1,563,000 | 3,037,000 | 4,491,000 | 5,953,000 |
| Interest expense | 465,000 | 888,000 | 1,281,000 | 1,637,000 |
| Net interest income | 1,098,000 | 2,149,000 | 3,210,000 | 4,316,000 |
| Noninterest income | 119,000 | 286,000 | 465,000 | 622,000 |
| Noninterest expense | 716,000 | 1,439,000 | 2,159,000 | 2,968,000 |
| Provision for loan losses | 45,000 | 120,000 | 195,000 | 270,000 |
| Pretax income | 456,000 | 876,000 | 1,321,000 | 1,700,000 |
| Income tax | 113,000 | 258,000 | 387,000 | 472,000 |
| Net income | 343,000 | 618,000 | 934,000 | 1,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,770,000 | 10,971,000 | 11,287,000 | 11,580,000 |
| Total capital | 11,844,000 | 12,020,000 | 12,344,000 | 12,668,000 |
| Risk-weighted assets | 85,796,000 | 83,743,000 | 84,271,000 | 86,806,000 |