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 | 26,576,000 | 27,233,000 | 28,888,000 | 28,649,000 |
| Total loans | 19,196,000 | 20,567,000 | 21,967,000 | 22,064,000 |
| Allowance for loan losses | 334,000 | 334,000 | 334,000 | 334,000 |
| Securities available for sale | 2,794,000 | 2,616,000 | 2,524,000 | 2,003,000 |
| Securities held to maturity | 281,000 | 525,000 | 1,211,000 | 1,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,767,000 | 22,489,000 | 22,922,000 | 23,369,000 |
| Interest-bearing deposits | 18,158,000 | 18,108,000 | 18,662,000 | 19,232,000 |
| Noninterest-bearing deposits | 4,610,000 | 4,381,000 | 4,260,000 | 4,136,000 |
| Equity capital | 2,780,000 | 2,699,000 | 2,835,000 | 2,766,000 |
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 | 390,000 | 766,000 | 1,166,000 | 1,574,000 |
| Interest expense | 86,000 | 169,000 | 254,000 | 349,000 |
| Net interest income | 304,000 | 597,000 | 912,000 | 1,225,000 |
| Noninterest income | 51,000 | 77,000 | 154,000 | 213,000 |
| Noninterest expense | 258,000 | 528,000 | 799,000 | 1,223,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 96,000 | 145,000 | 267,000 | 215,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 7,000 |
| Net income | 94,000 | 142,000 | 262,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,724,000 | 2,671,000 | 2,793,000 | 2,739,000 |
| Total capital | 2,938,000 | 2,894,000 | 3,031,000 | 2,976,000 |
| Risk-weighted assets | 16,969,000 | 17,765,000 | 19,157,000 | 18,870,000 |