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 | 96,487,000 | 95,491,000 | 96,215,000 | 98,289,000 |
| Total loans | 63,404,000 | 65,801,000 | 67,364,000 | 69,083,000 |
| Allowance for loan losses | 798,000 | 816,000 | 831,000 | 850,000 |
| Securities available for sale | 14,569,000 | 14,742,000 | 13,385,000 | 14,035,000 |
| Securities held to maturity | 9,114,000 | 8,971,000 | 9,539,000 | 9,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,955,000 | 83,451,000 | 82,204,000 | 84,245,000 |
| Interest-bearing deposits | 69,729,000 | 68,687,000 | 66,583,000 | 67,917,000 |
| Noninterest-bearing deposits | 15,226,000 | 14,764,000 | 15,621,000 | 16,328,000 |
| Equity capital | 10,296,000 | 10,794,000 | 11,260,000 | 11,476,000 |
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 | 1,101,000 | 2,217,000 | 3,344,000 | 4,475,000 |
| Interest expense | 242,000 | 481,000 | 713,000 | 930,000 |
| Net interest income | 859,000 | 1,736,000 | 2,631,000 | 3,545,000 |
| Noninterest income | 74,000 | 160,000 | 268,000 | 442,000 |
| Noninterest expense | 573,000 | 1,135,000 | 1,681,000 | 2,260,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 342,000 | 725,000 | 1,164,000 | 1,655,000 |
| Income tax | 17,000 | 36,000 | 58,000 | 84,000 |
| Net income | 325,000 | 689,000 | 1,106,000 | 1,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,501,000 | 8,865,000 | 9,283,000 | 9,747,000 |
| Total capital | 9,299,000 | 9,681,000 | 10,114,000 | 10,597,000 |
| Risk-weighted assets | 65,375,000 | 66,634,000 | 67,667,000 | 69,421,000 |
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