Call reports 2010
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2010
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 45,302,000 | 44,716,000 | 44,750,000 | 43,572,000 |
| Total loans | 24,991,000 | 24,780,000 | 24,180,000 | 23,484,000 |
| Allowance for loan losses | 755,000 | 719,000 | 713,000 | 653,000 |
| Securities available for sale | 1,801,000 | 1,808,000 | 253,000 | 713,000 |
| Securities held to maturity | 5,505,000 | 7,458,000 | 7,903,000 | 8,676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,081,000 | 38,372,000 | 38,289,000 | 38,046,000 |
| Interest-bearing deposits | 30,755,000 | 32,798,000 | 32,714,000 | 32,108,000 |
| Noninterest-bearing deposits | 8,326,000 | 5,574,000 | 5,575,000 | 5,938,000 |
| Equity capital | 5,723,000 | 5,782,000 | 5,807,000 | 5,221,000 |
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 | 610,000 | 1,224,000 | 1,827,000 | 2,419,000 |
| Interest expense | 160,000 | 314,000 | 463,000 | 602,000 |
| Net interest income | 450,000 | 910,000 | 1,364,000 | 1,817,000 |
| Noninterest income | 62,000 | 127,000 | 156,000 | -313,000 |
| Noninterest expense | 423,000 | 836,000 | 1,233,000 | 1,647,000 |
| Provision for loan losses | 60,000 | 120,000 | 175,000 | 292,000 |
| Pretax income | 29,000 | 81,000 | 112,000 | -435,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 29,000 | 81,000 | 112,000 | -435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,722,000 | 5,774,000 | 5,804,000 | 5,257,000 |
| Total capital | 6,083,000 | 6,138,000 | 6,163,000 | 5,603,000 |
| Risk-weighted assets | 28,494,000 | 28,744,000 | 28,352,000 | 27,404,000 |