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 | 13,282,000 | 13,642,000 | 13,891,000 | 14,409,000 |
| Total loans | 8,797,000 | 10,262,000 | 11,454,000 | 10,965,000 |
| Allowance for loan losses | 87,000 | 88,000 | 89,000 | 87,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 249,000 | 50,000 | 50,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,409,000 | 10,751,000 | 10,618,000 | 11,301,000 |
| Interest-bearing deposits | 9,590,000 | 10,177,000 | 9,952,000 | 10,251,000 |
| Noninterest-bearing deposits | 819,000 | 574,000 | 666,000 | 1,050,000 |
| Equity capital | 899,000 | 911,000 | 957,000 | 967,000 |
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 | 198,000 | 417,000 | 653,000 | 884,000 |
| Interest expense | 75,000 | 162,000 | 246,000 | 334,000 |
| Net interest income | 123,000 | 255,000 | 407,000 | 550,000 |
| Noninterest income | 22,000 | 47,000 | 71,000 | 93,000 |
| Noninterest expense | 117,000 | 256,000 | 384,000 | 537,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,000 | 46,000 | 95,000 | 107,000 |
| Income tax | 8,000 | 15,000 | 17,000 | 20,000 |
| Net income | 20,000 | 31,000 | 78,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 899,000 | 911,000 | 957,000 | 967,000 |
| Total capital | 986,000 | 999,000 | 1,046,000 | 1,054,000 |
| Risk-weighted assets | 7,135,000 | 7,588,000 | 8,520,000 | 8,482,000 |