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 | 91,933,000 | 93,691,000 | 95,266,000 | 94,359,000 |
| Total loans | 65,670,000 | 59,969,000 | 58,300,000 | 57,593,000 |
| Allowance for loan losses | 1,248,000 | 715,000 | 543,000 | 603,000 |
| Securities available for sale | 17,767,000 | 20,320,000 | 25,446,000 | 27,583,000 |
| Securities held to maturity | 120,000 | 120,000 | 120,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,180,000 | 76,652,000 | 78,113,000 | 78,224,000 |
| Interest-bearing deposits | 69,530,000 | 72,193,000 | 72,988,000 | 73,254,000 |
| Noninterest-bearing deposits | 5,650,000 | 4,459,000 | 5,125,000 | 4,970,000 |
| Equity capital | 9,415,000 | 9,701,000 | 9,793,000 | 8,790,000 |
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 | 1,108,000 | 2,236,000 | 3,244,000 | 4,288,000 |
| Interest expense | 495,000 | 980,000 | 1,460,000 | 1,926,000 |
| Net interest income | 613,000 | 1,256,000 | 1,784,000 | 2,362,000 |
| Noninterest income | 46,000 | 2,000 | 77,000 | 242,000 |
| Noninterest expense | 305,000 | 791,000 | 1,162,000 | 1,535,000 |
| Provision for loan losses | 381,000 | 381,000 | 787,000 | 847,000 |
| Pretax income | -27,000 | 91,000 | -14,000 | 311,000 |
| Income tax | 13,000 | 17,000 | 20,000 | 2,000 |
| Net income | -40,000 | 74,000 | -34,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,249,000 | 9,373,000 | 9,261,000 | 9,629,000 |
| Total capital | 10,027,000 | 10,088,000 | 9,804,000 | 10,232,000 |
| Risk-weighted assets | 61,756,000 | 60,518,000 | 58,925,000 | 60,876,000 |
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