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 | 81,622,000 | 81,591,000 | 81,042,000 | 77,465,000 |
| Total loans | 23,366,000 | 23,223,000 | 21,967,000 | 19,397,000 |
| Allowance for loan losses | 897,000 | 898,000 | 904,000 | 967,000 |
| Securities available for sale | 45,720,000 | 47,506,000 | 45,936,000 | 46,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,004,000 | 72,190,000 | 71,665,000 | 70,423,000 |
| Interest-bearing deposits | 65,144,000 | 64,077,000 | 62,450,000 | 61,279,000 |
| Noninterest-bearing deposits | 7,860,000 | 8,112,000 | 9,215,000 | 9,144,000 |
| Equity capital | 7,738,000 | 8,465,000 | 8,433,000 | 6,266,000 |
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 | 851,000 | 1,703,000 | 2,569,000 | 3,288,000 |
| Interest expense | 276,000 | 531,000 | 765,000 | 976,000 |
| Net interest income | 575,000 | 1,172,000 | 1,804,000 | 2,312,000 |
| Noninterest income | 141,000 | 331,000 | 470,000 | 632,000 |
| Noninterest expense | 656,000 | 1,304,000 | 1,953,000 | 2,607,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 2,117,000 |
| Pretax income | 173,000 | 311,000 | 507,000 | -1,558,000 |
| Income tax | 0 | 0 | 0 | -574,000 |
| Net income | 173,000 | 311,000 | 507,000 | -984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,217,000 | 7,330,000 | 7,478,000 | 5,962,000 |
| Total capital | 7,307,000 | 7,392,000 | 7,537,000 | 6,390,000 |
| Risk-weighted assets | 34,212,000 | 35,280,000 | 34,968,000 | 33,713,000 |
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