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 | 9,681,000 | 8,272,000 | 8,905,000 | 9,490,000 |
| Total loans | 6,157,000 | 6,679,000 | 6,822,000 | 6,760,000 |
| Allowance for loan losses | 91,000 | 91,000 | 91,000 | 91,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 187,000 | 175,000 | 165,000 | 156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,901,000 | 7,454,000 | 8,039,000 | 8,832,000 |
| Interest-bearing deposits | 6,496,000 | 5,804,000 | 6,281,000 | 6,612,000 |
| Noninterest-bearing deposits | 2,405,000 | 1,650,000 | 1,758,000 | 2,220,000 |
| Equity capital | 754,000 | 794,000 | 847,000 | 641,000 |
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 | 123,000 | 250,000 | 385,000 | 513,000 |
| Interest expense | 23,000 | 42,000 | 61,000 | 79,000 |
| Net interest income | 100,000 | 208,000 | 324,000 | 434,000 |
| Noninterest income | 6,000 | 13,000 | 18,000 | 20,000 |
| Noninterest expense | 74,000 | 149,000 | 212,000 | 286,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 32,000 | 72,000 | 130,000 | 168,000 |
| Income tax | 1,000 | -1,000 | 1,000 | 1,000 |
| Net income | 31,000 | 73,000 | 129,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 754,000 | 794,000 | 847,000 | 641,000 |
| Total capital | 819,000 | 858,000 | 912,000 | 696,000 |
| Risk-weighted assets | 5,186,000 | 5,087,000 | 5,189,000 | 4,377,000 |