Call reports 2009
CITIZENS STATE BANK OF MILFORD — 2009
What CITIZENS STATE BANK OF MILFORD 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 | 43,729,000 | 44,720,000 | 47,182,000 | 54,378,000 |
| Total loans | 24,851,000 | 23,694,000 | 25,205,000 | 23,718,000 |
| Allowance for loan losses | 145,000 | 141,000 | 136,000 | 116,000 |
| Securities available for sale | 8,764,000 | 8,007,000 | 9,965,000 | 12,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,520,000 | 40,278,000 | 42,266,000 | 50,211,000 |
| Interest-bearing deposits | 33,059,000 | 33,252,000 | 35,972,000 | 35,199,000 |
| Noninterest-bearing deposits | 5,461,000 | 7,026,000 | 6,294,000 | 15,012,000 |
| Equity capital | 3,599,000 | 3,616,000 | 3,797,000 | 3,365,000 |
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 | 583,000 | 1,151,000 | 1,717,000 | 2,259,000 |
| Interest expense | 176,000 | 343,000 | 507,000 | 657,000 |
| Net interest income | 407,000 | 808,000 | 1,210,000 | 1,602,000 |
| Noninterest income | 47,000 | 118,000 | 203,000 | 280,000 |
| Noninterest expense | 364,000 | 730,000 | 1,131,000 | 1,548,000 |
| Provision for loan losses | 0 | 0 | 0 | 277,000 |
| Pretax income | 90,000 | 197,000 | 285,000 | 24,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 90,000 | 197,000 | 285,000 | 24,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,450,000 | 3,477,000 | 3,524,000 | 3,213,000 |
| Total capital | 3,595,000 | 3,617,000 | 3,660,000 | 3,329,000 |
| Risk-weighted assets | 29,779,000 | 29,673,000 | 31,888,000 | 32,284,000 |
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