Call reports 2010
CITIZENS STATE BANK, THE — 2010
What CITIZENS STATE BANK, 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 | 234,365,000 | 235,574,000 | 247,460,000 | 246,540,000 |
| Total loans | 117,434,000 | 121,224,000 | 122,812,000 | 124,339,000 |
| Allowance for loan losses | 1,489,000 | 1,584,000 | 1,589,000 | 1,585,000 |
| Securities available for sale | 29,169,000 | 26,557,000 | 26,663,000 | 26,674,000 |
| Securities held to maturity | 66,000 | 63,000 | 61,000 | 58,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,699,000 | 186,912,000 | 197,123,000 | 194,279,000 |
| Interest-bearing deposits | 163,632,000 | 164,259,000 | 172,622,000 | 168,284,000 |
| Noninterest-bearing deposits | 22,067,000 | 22,653,000 | 24,501,000 | 25,995,000 |
| Equity capital | 21,692,000 | 21,731,000 | 22,015,000 | 21,861,000 |
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 | 2,492,000 | 4,982,000 | 7,558,000 | 10,105,000 |
| Interest expense | 497,000 | 1,001,000 | 1,501,000 | 1,979,000 |
| Net interest income | 1,995,000 | 3,981,000 | 6,057,000 | 8,126,000 |
| Noninterest income | 241,000 | 547,000 | 817,000 | 1,296,000 |
| Noninterest expense | 1,219,000 | 2,652,000 | 4,008,000 | 5,709,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,017,000 | 1,876,000 | 2,866,000 | 3,713,000 |
| Income tax | 303,000 | 563,000 | 865,000 | 1,107,000 |
| Net income | 714,000 | 1,313,000 | 2,001,000 | 2,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,873,000 | 20,971,000 | 21,158,000 | 21,262,000 |
| Total capital | 22,362,000 | 22,555,000 | 22,747,000 | 22,847,000 |
| Risk-weighted assets | 148,831,000 | 156,406,000 | 164,729,000 | 152,253,000 |
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