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 | 68,341,000 | 70,261,000 | 72,333,000 | 74,149,000 |
| Total loans | 57,089,000 | 58,921,000 | 58,166,000 | 55,710,000 |
| Allowance for loan losses | 618,000 | 582,000 | 607,000 | 637,000 |
| Securities available for sale | 7,636,000 | 7,875,000 | 10,618,000 | 11,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,706,000 | 58,701,000 | 59,764,000 | 62,868,000 |
| Interest-bearing deposits | 46,618,000 | 48,328,000 | 48,505,000 | 51,105,000 |
| Noninterest-bearing deposits | 9,088,000 | 10,373,000 | 11,259,000 | 11,763,000 |
| Equity capital | 6,052,000 | 6,114,000 | 6,407,000 | 6,269,000 |
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 | 1,144,000 | 2,261,000 | 3,418,000 | 4,552,000 |
| Interest expense | 405,000 | 805,000 | 1,185,000 | 1,547,000 |
| Net interest income | 739,000 | 1,456,000 | 2,233,000 | 3,005,000 |
| Noninterest income | 117,000 | 239,000 | 364,000 | 451,000 |
| Noninterest expense | 649,000 | 1,279,000 | 1,896,000 | 2,529,000 |
| Provision for loan losses | 60,000 | 90,000 | 150,000 | 278,000 |
| Pretax income | 157,000 | 354,000 | 602,000 | 736,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 157,000 | 354,000 | 602,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,911,000 | 6,026,000 | 6,219,000 | 6,136,000 |
| Total capital | 6,529,000 | 6,608,000 | 6,826,000 | 6,773,000 |
| Risk-weighted assets | 53,667,000 | 55,400,000 | 54,622,000 | 53,944,000 |