Call reports 2010
CITIZENS STATE BANK OF FINLEY, THE — 2010
What CITIZENS STATE BANK OF FINLEY, 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 | 109,900,000 | 117,496,000 | 117,753,000 | 114,791,000 |
| Total loans | 77,577,000 | 85,439,000 | 84,545,000 | 78,458,000 |
| Allowance for loan losses | 736,000 | 842,000 | 892,000 | 792,000 |
| Securities available for sale | 9,308,000 | 9,957,000 | 10,063,000 | 9,052,000 |
| Securities held to maturity | 12,598,000 | 11,142,000 | 10,323,000 | 11,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,180,000 | 77,042,000 | 77,333,000 | 80,600,000 |
| Interest-bearing deposits | 61,880,000 | 66,260,000 | 65,917,000 | 64,643,000 |
| Noninterest-bearing deposits | 14,300,000 | 10,782,000 | 11,416,000 | 15,957,000 |
| Equity capital | 9,893,000 | 10,049,000 | 10,608,000 | 10,187,000 |
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 | 1,349,000 | 2,807,000 | 4,299,000 | 5,710,000 |
| Interest expense | 349,000 | 692,000 | 1,001,000 | 1,284,000 |
| Net interest income | 1,000,000 | 2,115,000 | 3,298,000 | 4,426,000 |
| Noninterest income | 189,000 | 401,000 | 823,000 | 1,145,000 |
| Noninterest expense | 872,000 | 1,804,000 | 2,753,000 | 3,839,000 |
| Provision for loan losses | 0 | 106,000 | 156,000 | 526,000 |
| Pretax income | 317,000 | 607,000 | 1,214,000 | 1,208,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 144,000 |
| Net income | 315,000 | 605,000 | 1,212,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,504,000 | 9,607,000 | 10,104,000 | 9,863,000 |
| Total capital | 10,240,000 | 10,449,000 | 10,996,000 | 10,655,000 |
| Risk-weighted assets | 79,663,000 | 85,158,000 | 85,864,000 | 80,426,000 |