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 | 98,933,000 | 98,241,000 | 99,495,000 | 101,831,000 |
| Total loans | 55,850,000 | 55,971,000 | 56,475,000 | 57,909,000 |
| Allowance for loan losses | 576,000 | 613,000 | 633,000 | 647,000 |
| Securities available for sale | 32,455,000 | 31,488,000 | 29,519,000 | 31,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,768,000 | 87,190,000 | 88,053,000 | 90,616,000 |
| Interest-bearing deposits | 71,488,000 | 70,635,000 | 70,392,000 | 71,595,000 |
| Noninterest-bearing deposits | 16,280,000 | 16,555,000 | 17,661,000 | 19,021,000 |
| Equity capital | 10,881,000 | 10,685,000 | 10,968,000 | 10,570,000 |
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 | 1,408,000 | 2,811,000 | 4,223,000 | 5,612,000 |
| Interest expense | 321,000 | 629,000 | 917,000 | 1,190,000 |
| Net interest income | 1,087,000 | 2,182,000 | 3,306,000 | 4,422,000 |
| Noninterest income | 190,000 | 370,000 | 557,000 | 731,000 |
| Noninterest expense | 660,000 | 1,385,000 | 2,060,000 | 2,812,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 579,000 | 1,092,000 | 1,690,000 | 2,191,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 579,000 | 1,092,000 | 1,690,000 | 2,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,205,000 | 9,808,000 | 9,976,000 | 10,065,000 |
| Total capital | 10,781,000 | 10,421,000 | 10,609,000 | 10,712,000 |
| Risk-weighted assets | 58,189,000 | 58,320,000 | 58,952,000 | 60,856,000 |
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