Call reports 2010
CITIZENS STATE BANK OF LOYAL — 2010
What CITIZENS STATE BANK OF LOYAL 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 | 145,605,000 | 145,034,000 | 146,392,000 | 145,891,000 |
| Total loans | 102,746,000 | 104,294,000 | 106,832,000 | 103,526,000 |
| Allowance for loan losses | 1,260,000 | 1,331,000 | 1,335,000 | 1,994,000 |
| Securities available for sale | 23,991,000 | 28,893,000 | 28,751,000 | 30,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,494,000 | 102,844,000 | 100,566,000 | 108,496,000 |
| Interest-bearing deposits | 91,042,000 | 90,954,000 | 87,717,000 | 94,195,000 |
| Noninterest-bearing deposits | 11,452,000 | 11,890,000 | 12,849,000 | 14,301,000 |
| Equity capital | 14,899,000 | 14,761,000 | 15,406,000 | 14,361,000 |
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 | 1,698,000 | 3,384,000 | 5,176,000 | 6,863,000 |
| Interest expense | 592,000 | 1,191,000 | 1,786,000 | 2,327,000 |
| Net interest income | 1,106,000 | 2,193,000 | 3,390,000 | 4,536,000 |
| Noninterest income | 283,000 | 528,000 | 836,000 | 1,028,000 |
| Noninterest expense | 762,000 | 1,896,000 | 2,819,000 | 3,797,000 |
| Provision for loan losses | 60,000 | 270,000 | 420,000 | 1,080,000 |
| Pretax income | 405,000 | 593,000 | 1,025,000 | 725,000 |
| Income tax | 102,000 | 140,000 | 212,000 | 265,000 |
| Net income | 303,000 | 453,000 | 813,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,471,000 | 14,421,000 | 14,780,000 | 14,228,000 |
| Total capital | 15,731,000 | 15,749,000 | 16,115,000 | 15,552,000 |
| Risk-weighted assets | 103,540,000 | 106,233,000 | 109,309,000 | 105,229,000 |