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 | 180,046,000 | 182,053,000 | 191,205,000 | 193,417,000 |
| Total loans | 123,807,000 | 127,349,000 | 129,587,000 | 136,961,000 |
| Allowance for loan losses | 1,369,000 | 1,345,000 | 1,432,000 | 1,543,000 |
| Securities available for sale | 38,342,000 | 35,579,000 | 40,867,000 | 39,885,000 |
| Securities held to maturity | 305,000 | 305,000 | 285,000 | 285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,201,000 | 154,020,000 | 165,404,000 | 166,606,000 |
| Interest-bearing deposits | 138,204,000 | 140,278,000 | 151,421,000 | 147,721,000 |
| Noninterest-bearing deposits | 15,997,000 | 13,742,000 | 13,984,000 | 18,885,000 |
| Equity capital | 18,424,000 | 18,524,000 | 19,202,000 | 19,503,000 |
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 | 2,331,000 | 4,692,000 | 7,089,000 | 9,416,000 |
| Interest expense | 967,000 | 1,916,000 | 2,851,000 | 3,728,000 |
| Net interest income | 1,364,000 | 2,776,000 | 4,238,000 | 5,688,000 |
| Noninterest income | 218,000 | 536,000 | 712,000 | 919,000 |
| Noninterest expense | 1,123,000 | 2,228,000 | 3,383,000 | 4,463,000 |
| Provision for loan losses | 490,000 | 645,000 | 745,000 | 1,010,000 |
| Pretax income | -20,000 | 458,000 | 892,000 | 1,208,000 |
| Income tax | 2,000 | 4,000 | 9,000 | 15,000 |
| Net income | -22,000 | 454,000 | 883,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,433,000 | 15,776,000 | 16,055,000 | 16,365,000 |
| Total capital | 16,802,000 | 17,121,000 | 17,487,000 | 17,908,000 |
| Risk-weighted assets | 145,205,000 | 148,327,000 | 147,872,000 | 152,781,000 |