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 | 160,782,000 | 157,798,000 | 164,746,000 | 239,649,000 |
| Total loans | 135,951,000 | 138,219,000 | 141,719,000 | 187,283,000 |
| Allowance for loan losses | 1,487,000 | 1,414,000 | 1,581,000 | 2,333,000 |
| Securities available for sale | 7,052,000 | 5,943,000 | 6,153,000 | 18,345,000 |
| Securities held to maturity | 3,045,000 | 2,739,000 | 2,472,000 | 2,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,342,000 | 137,930,000 | 144,717,000 | 215,239,000 |
| Interest-bearing deposits | 121,808,000 | 122,825,000 | 126,973,000 | 181,451,000 |
| Noninterest-bearing deposits | 19,534,000 | 15,105,000 | 17,744,000 | 33,788,000 |
| Equity capital | 16,089,000 | 16,552,000 | 16,629,000 | 21,161,000 |
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 | 2,124,000 | 4,258,000 | 6,468,000 | 11,038,000 |
| Interest expense | 619,000 | 1,197,000 | 1,786,000 | 3,057,000 |
| Net interest income | 1,505,000 | 3,061,000 | 4,682,000 | 7,981,000 |
| Noninterest income | 138,000 | 278,000 | 513,000 | 1,005,000 |
| Noninterest expense | 1,092,000 | 2,109,000 | 3,231,000 | 5,871,000 |
| Provision for loan losses | 0 | 25,000 | 225,000 | 740,000 |
| Pretax income | 551,000 | 1,205,000 | 1,739,000 | 2,375,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 551,000 | 1,205,000 | 1,739,000 | 2,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,529,000 | 14,979,000 | 15,034,000 | 19,497,000 |
| Total capital | 16,016,000 | 16,394,000 | 16,616,000 | 21,831,000 |
| Risk-weighted assets | 139,897,000 | 139,648,000 | 143,161,000 | 197,142,000 |
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