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 | 184,570,000 | 188,994,000 | 174,791,000 | 170,596,000 |
| Total loans | 143,821,000 | 139,076,000 | 125,712,000 | 116,597,000 |
| Allowance for loan losses | 4,534,000 | 8,001,000 | 5,105,000 | 4,200,000 |
| Securities available for sale | 24,532,000 | 28,725,000 | 28,947,000 | 28,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,628,000 | 167,543,000 | 158,267,000 | 155,484,000 |
| Interest-bearing deposits | 135,116,000 | 144,898,000 | 25,550,000 | 128,197,000 |
| Noninterest-bearing deposits | 23,512,000 | 22,644,000 | 132,717,000 | 27,288,000 |
| Equity capital | 14,933,000 | 10,454,000 | 10,603,000 | 9,218,000 |
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 | 2,413,000 | 4,734,000 | 6,925,000 | 9,045,000 |
| Interest expense | 924,000 | 1,798,000 | 2,582,000 | 3,251,000 |
| Net interest income | 1,489,000 | 2,936,000 | 4,343,000 | 5,794,000 |
| Noninterest income | 532,000 | 953,000 | 1,214,000 | 1,775,000 |
| Noninterest expense | 1,642,000 | 3,481,000 | 5,144,000 | 7,631,000 |
| Provision for loan losses | 150,000 | 4,759,000 | 4,960,000 | 5,685,000 |
| Pretax income | 229,000 | -4,351,000 | -4,547,000 | -5,747,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 20,000 |
| Net income | 224,000 | -4,361,000 | -4,562,000 | -5,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,116,000 | 9,531,000 | 9,329,000 | 8,770,000 |
| Total capital | 15,933,000 | 11,327,000 | 10,986,000 | 10,387,000 |
| Risk-weighted assets | 142,645,000 | 136,766,000 | 129,105,000 | 126,109,000 |