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 | 157,725,000 | 157,029,000 | 162,778,000 | 173,563,000 |
| Total loans | 56,651,000 | 57,878,000 | 57,665,000 | 56,719,000 |
| Allowance for loan losses | 669,000 | 737,000 | 748,000 | 766,000 |
| Securities available for sale | 90,400,000 | 90,083,000 | 97,737,000 | 99,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,527,000 | 137,421,000 | 141,074,000 | 151,164,000 |
| Interest-bearing deposits | 101,178,000 | 104,162,000 | 108,913,000 | 115,993,000 |
| Noninterest-bearing deposits | 36,349,000 | 33,259,000 | 32,161,000 | 35,171,000 |
| Equity capital | 17,168,000 | 16,557,000 | 18,329,000 | 18,082,000 |
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 | 1,892,000 | 3,751,000 | 5,625,000 | 7,496,000 |
| Interest expense | 504,000 | 983,000 | 1,445,000 | 1,882,000 |
| Net interest income | 1,388,000 | 2,768,000 | 4,180,000 | 5,614,000 |
| Noninterest income | 194,000 | 406,000 | 637,000 | 881,000 |
| Noninterest expense | 943,000 | 2,030,000 | 3,019,000 | 4,162,000 |
| Provision for loan losses | 107,000 | 178,000 | 226,000 | 270,000 |
| Pretax income | 754,000 | 1,623,000 | 2,402,000 | 3,097,000 |
| Income tax | 200,000 | 473,000 | 707,000 | 637,000 |
| Net income | 554,000 | 1,150,000 | 1,695,000 | 2,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,966,000 | 16,162,000 | 16,707,000 | 16,511,000 |
| Total capital | 16,635,000 | 16,899,000 | 17,455,000 | 17,277,000 |
| Risk-weighted assets | 70,793,000 | 72,180,000 | 73,138,000 | 75,420,000 |