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 | 32,827,000 | 34,967,000 | 34,411,000 | 34,784,000 |
| Total loans | 17,405,000 | 18,544,000 | 17,652,000 | 18,253,000 |
| Allowance for loan losses | 266,000 | 301,000 | 278,000 | 317,000 |
| Securities available for sale | 8,847,000 | 8,269,000 | 7,150,000 | 6,449,000 |
| Securities held to maturity | 1,293,000 | 1,393,000 | 1,750,000 | 1,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,876,000 | 30,691,000 | 30,017,000 | 30,513,000 |
| Interest-bearing deposits | 23,135,000 | 24,630,000 | 23,720,000 | 24,352,000 |
| Noninterest-bearing deposits | 5,741,000 | 6,061,000 | 6,297,000 | 6,161,000 |
| Equity capital | 3,796,000 | 4,098,000 | 4,179,000 | 4,132,000 |
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 | 485,000 | 1,001,000 | 1,503,000 | 2,006,000 |
| Interest expense | 80,000 | 155,000 | 227,000 | 290,000 |
| Net interest income | 405,000 | 846,000 | 1,276,000 | 1,716,000 |
| Noninterest income | 38,000 | 112,000 | 167,000 | 220,000 |
| Noninterest expense | 231,000 | 460,000 | 685,000 | 920,000 |
| Provision for loan losses | 30,000 | 85,000 | 255,000 | 345,000 |
| Pretax income | 182,000 | 413,000 | 503,000 | 671,000 |
| Income tax | 40,000 | 81,000 | 121,000 | 161,000 |
| Net income | 142,000 | 332,000 | 382,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,802,000 | 3,977,000 | 4,028,000 | 4,140,000 |
| Total capital | 4,036,000 | 4,224,000 | 4,250,000 | 4,367,000 |
| Risk-weighted assets | 18,714,000 | 19,847,000 | 17,738,000 | 18,092,000 |