Call reports 2009
CITIZENS BANK OF SPENCER — 2009
What CITIZENS BANK OF SPENCER 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 | 45,024,000 | 44,743,000 | 45,118,000 | 42,722,000 |
| Total loans | 29,816,000 | 30,124,000 | 30,574,000 | 28,102,000 |
| Allowance for loan losses | 471,000 | 421,000 | 393,000 | 930,000 |
| Securities available for sale | 9,651,000 | 10,102,000 | 9,365,000 | 9,145,000 |
| Securities held to maturity | 450,000 | 453,000 | 452,000 | 451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,849,000 | 38,556,000 | 38,631,000 | 39,341,000 |
| Interest-bearing deposits | 35,362,000 | 34,718,000 | 35,278,000 | 36,019,000 |
| Noninterest-bearing deposits | 3,487,000 | 3,838,000 | 3,353,000 | 3,322,000 |
| Equity capital | 5,756,000 | 5,762,000 | 6,003,000 | 3,047,000 |
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 | 677,000 | 1,373,000 | 2,029,000 | 2,559,000 |
| Interest expense | 176,000 | 361,000 | 521,000 | 690,000 |
| Net interest income | 501,000 | 1,012,000 | 1,508,000 | 1,869,000 |
| Noninterest income | 129,000 | 182,000 | 259,000 | 302,000 |
| Noninterest expense | 359,000 | 715,000 | 1,074,000 | 1,580,000 |
| Provision for loan losses | 100,000 | 150,000 | 150,000 | 3,638,000 |
| Pretax income | 171,000 | 329,000 | 543,000 | -3,047,000 |
| Income tax | 54,000 | 110,000 | 181,000 | -522,000 |
| Net income | 117,000 | 219,000 | 362,000 | -2,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,701,000 | 5,714,000 | 5,857,000 | 2,974,000 |
| Total capital | 6,047,000 | 6,057,000 | 6,210,000 | 3,308,000 |
| Risk-weighted assets | 27,523,000 | 27,369,000 | 28,162,000 | 26,135,000 |