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 | 68,705,000 | 67,419,000 | 69,836,000 | 71,686,000 |
| Total loans | 33,806,000 | 33,903,000 | 32,838,000 | 31,928,000 |
| Allowance for loan losses | 410,000 | 433,000 | 457,000 | 463,000 |
| Securities available for sale | 26,350,000 | 24,597,000 | 28,369,000 | 31,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,377,000 | 50,008,000 | 51,160,000 | 51,708,000 |
| Interest-bearing deposits | 42,595,000 | 46,599,000 | 47,574,000 | 47,649,000 |
| Noninterest-bearing deposits | 3,782,000 | 3,409,000 | 3,586,000 | 4,059,000 |
| Equity capital | 13,640,000 | 13,886,000 | 14,271,000 | 13,992,000 |
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 | 828,000 | 1,679,000 | 2,480,000 | 3,256,000 |
| Interest expense | 202,000 | 398,000 | 596,000 | 782,000 |
| Net interest income | 626,000 | 1,281,000 | 1,884,000 | 2,474,000 |
| Noninterest income | 87,000 | 187,000 | 304,000 | 396,000 |
| Noninterest expense | 403,000 | 807,000 | 1,237,000 | 1,697,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 79,000 |
| Pretax income | 286,000 | 613,000 | 880,000 | 1,095,000 |
| Income tax | 83,000 | 185,000 | 283,000 | 346,000 |
| Net income | 203,000 | 428,000 | 597,000 | 749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,908,000 | 8,132,000 | 8,302,000 | 8,453,000 |
| Total capital | 8,318,000 | 8,565,000 | 8,759,000 | 8,916,000 |
| Risk-weighted assets | 40,635,000 | 40,035,000 | 40,968,000 | 40,292,000 |
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