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 | 69,959,000 | 71,135,000 | 71,157,000 | 70,516,000 |
| Total loans | 32,686,000 | 34,079,000 | 32,444,000 | 32,010,000 |
| Allowance for loan losses | 142,000 | 181,000 | 347,000 | 346,000 |
| Securities available for sale | 31,847,000 | 32,503,000 | 33,457,000 | 33,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,905,000 | 61,792,000 | 61,470,000 | 61,540,000 |
| Interest-bearing deposits | 54,078,000 | 55,372,000 | 54,881,000 | 54,383,000 |
| Noninterest-bearing deposits | 6,827,000 | 6,420,000 | 6,589,000 | 7,157,000 |
| Equity capital | 8,377,000 | 8,620,000 | 8,939,000 | 7,905,000 |
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 | 1,024,000 | 2,068,000 | 3,095,000 | 4,090,000 |
| Interest expense | 246,000 | 473,000 | 673,000 | 856,000 |
| Net interest income | 778,000 | 1,595,000 | 2,422,000 | 3,234,000 |
| Noninterest income | 127,000 | 277,000 | 422,000 | 612,000 |
| Noninterest expense | 692,000 | 1,378,000 | 2,067,000 | 2,796,000 |
| Provision for loan losses | 15,000 | 85,000 | 295,000 | 317,000 |
| Pretax income | 198,000 | 462,000 | 641,000 | 944,000 |
| Income tax | 29,000 | 108,000 | 98,000 | 153,000 |
| Net income | 169,000 | 354,000 | 543,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,813,000 | 7,998,000 | 8,187,000 | 7,731,000 |
| Total capital | 7,955,000 | 8,179,000 | 8,534,000 | 8,077,000 |
| Risk-weighted assets | 32,550,000 | 33,540,000 | 32,302,000 | 32,251,000 |