Call reports 2010
CITIZENS FIRST STATE BANK OF WALNUT — 2010
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 59,107,000 | 59,801,000 | 57,554,000 | 61,211,000 |
| Total loans | 37,995,000 | 39,255,000 | 37,938,000 | 36,754,000 |
| Allowance for loan losses | 595,000 | 595,000 | 620,000 | 718,000 |
| Securities available for sale | 13,281,000 | 13,835,000 | 13,780,000 | 13,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,790,000 | 49,494,000 | 47,385,000 | 51,834,000 |
| Interest-bearing deposits | 42,691,000 | 43,210,000 | 41,084,000 | 43,784,000 |
| Noninterest-bearing deposits | 6,099,000 | 6,284,000 | 6,301,000 | 8,050,000 |
| Equity capital | 5,415,000 | 5,441,000 | 5,324,000 | 4,954,000 |
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 | 690,000 | 1,375,000 | 2,051,000 | 2,716,000 |
| Interest expense | 227,000 | 438,000 | 633,000 | 826,000 |
| Net interest income | 463,000 | 937,000 | 1,418,000 | 1,890,000 |
| Noninterest income | 41,000 | 55,000 | 79,000 | 179,000 |
| Noninterest expense | 498,000 | 989,000 | 1,494,000 | 2,194,000 |
| Provision for loan losses | 30,000 | 60,000 | 230,000 | 331,000 |
| Pretax income | -20,000 | -53,000 | -220,000 | -420,000 |
| Income tax | 0 | 1,000 | 1,000 | 0 |
| Net income | -20,000 | -54,000 | -221,000 | -420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,834,000 | 4,803,000 | 4,638,000 | 4,518,000 |
| Total capital | 5,288,000 | 5,259,000 | 5,081,000 | 4,954,000 |
| Risk-weighted assets | 36,155,000 | 36,380,000 | 35,271,000 | 34,636,000 |