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 |
|---|---|---|
| Total assets | 15,213,000 | 14,651,000 |
| Total loans | 11,515,000 | 10,993,000 |
| Allowance for loan losses | 287,000 | 277,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 13,545,000 | 13,018,000 |
| Interest-bearing deposits | 9,090,000 | 8,848,000 |
| Noninterest-bearing deposits | 4,455,000 | 4,170,000 |
| Equity capital | 1,611,000 | 1,594,000 |
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 |
|---|---|---|
| Interest income | 186,000 | 367,000 |
| Interest expense | 70,000 | 126,000 |
| Net interest income | 116,000 | 241,000 |
| Noninterest income | 20,000 | 43,000 |
| Noninterest expense | 131,000 | 296,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 5,000 | -12,000 |
| Income tax | 2,000 | 2,000 |
| Net income | 3,000 | -14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 |
|---|---|---|
| Tier 1 capital | 1,611,000 | 1,594,000 |
| Total capital | 1,771,000 | 1,756,000 |
| Risk-weighted assets | 12,638,000 | 13,376,000 |