Call reports 2009
CITIZENS STATE BANK OF SHAKOPEE — 2009
What CITIZENS STATE BANK OF SHAKOPEE 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 | 23,724,000 | 24,093,000 | 22,491,000 | 26,748,000 |
| Total loans | 8,410,000 | 8,089,000 | 8,078,000 | 9,995,000 |
| Allowance for loan losses | 220,000 | 220,000 | 223,000 | 223,000 |
| Securities available for sale | 5,659,000 | 4,833,000 | 6,824,000 | 5,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,931,000 | 21,420,000 | 19,821,000 | 24,160,000 |
| Interest-bearing deposits | 15,706,000 | 16,388,000 | 14,943,000 | 18,953,000 |
| Noninterest-bearing deposits | 5,225,000 | 5,032,000 | 4,878,000 | 5,207,000 |
| Equity capital | 2,610,000 | 2,537,000 | 2,504,000 | 2,502,000 |
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 | 214,000 | 397,000 | 559,000 | 743,000 |
| Interest expense | 52,000 | 100,000 | 150,000 | 193,000 |
| Net interest income | 162,000 | 297,000 | 409,000 | 550,000 |
| Noninterest income | 31,000 | 64,000 | 103,000 | 139,000 |
| Noninterest expense | 184,000 | 436,000 | 640,000 | 814,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 46,000 | -38,000 | -17,000 | -9,000 |
| Income tax | 2,000 | -23,000 | -23,000 | -23,000 |
| Net income | 44,000 | -15,000 | 6,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,529,000 | 2,469,000 | 2,489,000 | 2,497,000 |
| Total capital | 2,677,000 | 2,599,000 | 2,612,000 | 2,668,000 |
| Risk-weighted assets | 11,752,000 | 10,322,000 | 9,710,000 | 13,620,000 |