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 | 81,582,000 | 82,040,000 | 82,043,000 | 82,841,000 |
| Total loans | 60,355,000 | 61,109,000 | 61,066,000 | 58,681,000 |
| Allowance for loan losses | 900,000 | 924,000 | 920,000 | 1,328,000 |
| Securities available for sale | 3,935,000 | 2,297,000 | 2,206,000 | 2,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,017,000 | 73,971,000 | 74,081,000 | 74,267,000 |
| Interest-bearing deposits | 65,710,000 | 67,440,000 | 68,931,000 | 68,309,000 |
| Noninterest-bearing deposits | 6,307,000 | 6,531,000 | 5,150,000 | 5,958,000 |
| Equity capital | 7,731,000 | 7,463,000 | 7,463,000 | 7,102,000 |
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 | 1,099,000 | 2,171,000 | 3,249,000 | 4,072,000 |
| Interest expense | 507,000 | 1,030,000 | 1,487,000 | 1,885,000 |
| Net interest income | 592,000 | 1,141,000 | 1,762,000 | 2,187,000 |
| Noninterest income | 106,000 | 210,000 | 328,000 | 308,000 |
| Noninterest expense | 631,000 | 1,686,000 | 2,390,000 | 3,702,000 |
| Provision for loan losses | 40,000 | 81,000 | 173,000 | 1,263,000 |
| Pretax income | 27,000 | -416,000 | -473,000 | -2,470,000 |
| Income tax | 5,000 | -165,000 | -192,000 | -838,000 |
| Net income | 22,000 | -251,000 | -281,000 | -1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,771,000 | 6,498,000 | 6,469,000 | 6,617,000 |
| Total capital | 7,533,000 | 7,269,000 | 7,243,000 | 7,425,000 |
| Risk-weighted assets | 60,813,000 | 61,530,000 | 61,808,000 | 64,083,000 |