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 | 291,161,000 | 292,827,000 | 293,084,000 | 301,607,000 |
| Total loans | 194,518,000 | 197,214,000 | 198,875,000 | 193,491,000 |
| Allowance for loan losses | 2,187,000 | 1,871,000 | 1,873,000 | 1,828,000 |
| Securities available for sale | 70,723,000 | 68,387,000 | 70,491,000 | 72,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,559,000 | 232,777,000 | 233,885,000 | 248,698,000 |
| Interest-bearing deposits | 205,273,000 | 205,905,000 | 204,579,000 | 214,579,000 |
| Noninterest-bearing deposits | 27,286,000 | 26,872,000 | 29,306,000 | 34,119,000 |
| Equity capital | 33,448,000 | 34,822,000 | 37,256,000 | 33,711,000 |
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 | 3,707,000 | 7,552,000 | 11,397,000 | 15,243,000 |
| Interest expense | 1,292,000 | 2,593,000 | 3,845,000 | 5,014,000 |
| Net interest income | 2,415,000 | 4,959,000 | 7,552,000 | 10,229,000 |
| Noninterest income | 384,000 | 752,000 | 1,210,000 | 1,736,000 |
| Noninterest expense | 1,513,000 | 3,072,000 | 4,595,000 | 6,319,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,286,000 | 2,639,000 | 4,164,000 | 5,643,000 |
| Income tax | 70,000 | 107,000 | 209,000 | 285,000 |
| Net income | 1,216,000 | 2,532,000 | 3,955,000 | 5,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,122,000 | 25,675,000 | 26,760,000 | 25,800,000 |
| Total capital | 27,309,000 | 27,546,000 | 28,633,000 | 27,628,000 |
| Risk-weighted assets | 221,886,000 | 224,261,000 | 227,482,000 | 224,942,000 |
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