Call reports 2010
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2010
What CITIZENS STATE BANK AND TRUST COMPANY, THE 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 | 8,913,000 | 8,802,000 | 8,583,000 | 8,504,000 |
| Total loans | 3,713,000 | 3,888,000 | 3,932,000 | 4,209,000 |
| Allowance for loan losses | 39,000 | 42,000 | 45,000 | 49,000 |
| Securities available for sale | 3,137,000 | 3,360,000 | 3,261,000 | 3,068,000 |
| Securities held to maturity | 649,000 | 623,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,174,000 | 6,805,000 | 6,776,000 | 6,765,000 |
| Interest-bearing deposits | 6,379,000 | 5,987,000 | 6,019,000 | 5,878,000 |
| Noninterest-bearing deposits | 795,000 | 818,000 | 757,000 | 887,000 |
| Equity capital | 1,708,000 | 1,741,000 | 1,747,000 | 1,717,000 |
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 | 102,000 | 196,000 | 284,000 | 386,000 |
| Interest expense | 19,000 | 33,000 | 46,000 | 64,000 |
| Net interest income | 83,000 | 163,000 | 238,000 | 322,000 |
| Noninterest income | 9,000 | 19,000 | 28,000 | 37,000 |
| Noninterest expense | 105,000 | 171,000 | 247,000 | 333,000 |
| Provision for loan losses | 2,000 | 5,000 | 8,000 | 11,000 |
| Pretax income | -15,000 | 6,000 | 11,000 | 15,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | -15,000 | 6,000 | 11,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,135,000 | 1,156,000 | 1,162,000 | 1,162,000 |
| Total capital | 1,174,000 | 1,198,000 | 1,207,000 | 1,211,000 |
| Risk-weighted assets | 4,606,000 | 4,637,000 | 4,690,000 | 4,912,000 |