Call reports 2010
CITIZENS STATE BANK — 2010
What CITIZENS STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 353,854,000 | 370,050,000 | 387,001,000 | 404,452,000 |
| Total loans | 100,891,000 | 102,388,000 | 101,621,000 | 104,144,000 |
| Allowance for loan losses | 1,965,000 | 2,126,000 | 2,232,000 | 2,349,000 |
| Securities available for sale | 234,125,000 | 246,355,000 | 265,647,000 | 274,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,680,000 | 329,026,000 | 341,385,000 | 373,576,000 |
| Interest-bearing deposits | 273,348,000 | 314,241,000 | 319,104,000 | 356,804,000 |
| Noninterest-bearing deposits | 38,332,000 | 14,785,000 | 22,281,000 | 16,772,000 |
| Equity capital | 31,884,000 | 33,443,000 | 37,295,000 | 29,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,362,000 | 8,732,000 | 13,275,000 | 17,948,000 |
| Interest expense | 1,434,000 | 2,922,000 | 4,412,000 | 5,906,000 |
| Net interest income | 2,928,000 | 5,810,000 | 8,863,000 | 12,042,000 |
| Noninterest income | 376,000 | 775,000 | 1,206,000 | 1,556,000 |
| Noninterest expense | 1,502,000 | 3,088,000 | 4,832,000 | 6,575,000 |
| Provision for loan losses | 300,000 | 550,000 | 700,000 | 850,000 |
| Pretax income | 1,718,000 | 3,636,000 | 5,638,000 | 7,502,000 |
| Income tax | 248,000 | 516,000 | 773,000 | 952,000 |
| Net income | 1,470,000 | 3,120,000 | 4,865,000 | 6,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,233,000 | 27,646,000 | 29,417,000 | 30,446,000 |
| Total capital | 28,025,000 | 29,489,000 | 31,295,000 | 32,479,000 |
| Risk-weighted assets | 143,221,000 | 147,184,000 | 149,873,000 | 162,285,000 |
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