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 | 30,235,000 | 29,600,000 | 30,402,000 | 33,587,000 |
| Total loans | 13,867,000 | 18,239,000 | 20,581,000 | 13,550,000 |
| Allowance for loan losses | 107,000 | 108,000 | 94,000 | 119,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,287,000 | 4,805,000 | 4,761,000 | 5,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,719,000 | 27,012,000 | 27,723,000 | 30,921,000 |
| Interest-bearing deposits | 23,669,000 | 23,685,000 | 24,270,000 | 25,592,000 |
| Noninterest-bearing deposits | 4,050,000 | 3,327,000 | 3,454,000 | 5,328,000 |
| Equity capital | 2,388,000 | 2,386,000 | 2,443,000 | 2,437,000 |
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 | 286,000 | 604,000 | 987,000 | 1,343,000 |
| Interest expense | 107,000 | 215,000 | 323,000 | 424,000 |
| Net interest income | 179,000 | 389,000 | 664,000 | 919,000 |
| Noninterest income | 46,000 | 83,000 | 122,000 | 156,000 |
| Noninterest expense | 248,000 | 468,000 | 657,000 | 939,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 40,000 |
| Pretax income | -23,000 | 4,000 | 89,000 | 96,000 |
| Income tax | -54,000 | -24,000 | 3,000 | 1,000 |
| Net income | 31,000 | 28,000 | 86,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,388,000 | 2,386,000 | 2,443,000 | 2,437,000 |
| Total capital | 2,495,000 | 2,494,000 | 2,537,000 | 2,556,000 |
| Risk-weighted assets | 19,362,000 | 22,401,000 | 20,811,000 | 20,176,000 |