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 | 155,867,000 | 155,783,000 | 136,160,000 | 171,881,000 |
| Total loans | 142,123,000 | 141,545,000 | 123,447,000 | 158,683,000 |
| Allowance for loan losses | 367,000 | 307,000 | 313,000 | 241,000 |
| Securities available for sale | 5,974,000 | 5,649,000 | 6,487,000 | 6,687,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,497,000 | 140,625,000 | 120,785,000 | 156,916,000 |
| Interest-bearing deposits | 134,785,000 | 133,834,000 | 113,004,000 | 148,631,000 |
| Noninterest-bearing deposits | 5,712,000 | 6,791,000 | 7,781,000 | 8,285,000 |
| Equity capital | 12,908,000 | 12,806,000 | 12,921,000 | 12,719,000 |
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 | 1,921,000 | 3,779,000 | 5,492,000 | 7,158,000 |
| Interest expense | 571,000 | 1,049,000 | 1,479,000 | 1,901,000 |
| Net interest income | 1,350,000 | 2,730,000 | 4,013,000 | 5,257,000 |
| Noninterest income | 98,000 | 204,000 | 325,000 | 444,000 |
| Noninterest expense | 543,000 | 1,080,000 | 1,636,000 | 2,143,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 875,000 | 1,794,000 | 2,642,000 | 3,498,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 875,000 | 1,794,000 | 2,642,000 | 3,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,604,000 | 12,486,000 | 12,573,000 | 12,545,000 |
| Total capital | 12,971,000 | 12,793,000 | 12,886,000 | 12,786,000 |
| Risk-weighted assets | 79,545,000 | 64,308,000 | 64,380,000 | 77,216,000 |
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