Call reports 2008
CITIZENS STATE BANK — 2008
What CITIZENS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 205,687,000 | 198,016,000 | 193,302,000 | 191,466,000 |
| Total loans | 169,245,000 | 164,236,000 | 161,062,000 | 152,878,000 |
| Allowance for loan losses | 4,316,000 | 5,040,000 | 6,854,000 | 5,108,000 |
| Securities available for sale | 18,546,000 | 18,658,000 | 17,626,000 | 19,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,680,000 | 169,231,000 | 165,364,000 | 165,440,000 |
| Interest-bearing deposits | 149,870,000 | 146,106,000 | 131,882,000 | 141,885,000 |
| Noninterest-bearing deposits | 25,810,000 | 23,125,000 | 33,482,000 | 23,555,000 |
| Equity capital | 17,983,000 | 17,226,000 | 16,536,000 | 14,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,059,000 | 6,089,000 | 8,880,000 | 11,436,000 |
| Interest expense | 1,429,000 | 2,719,000 | 3,863,000 | 4,917,000 |
| Net interest income | 1,630,000 | 3,370,000 | 5,017,000 | 6,519,000 |
| Noninterest income | 559,000 | 1,185,000 | 1,634,000 | 1,653,000 |
| Noninterest expense | 1,930,000 | 3,810,000 | 5,681,000 | 7,100,000 |
| Provision for loan losses | 0 | 1,023,000 | 3,579,000 | 5,623,000 |
| Pretax income | 259,000 | -278,000 | -2,609,000 | -4,546,000 |
| Income tax | 0 | 5,000 | 10,000 | 5,000 |
| Net income | 259,000 | -283,000 | -2,619,000 | -4,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,014,000 | 16,662,000 | 15,824,000 | 13,893,000 |
| Total capital | 19,176,000 | 18,794,000 | 17,940,000 | 15,799,000 |
| Risk-weighted assets | 173,842,000 | 168,223,000 | 164,427,000 | 149,249,000 |