Call reports 2010
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2010
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 54,888,000 | 59,645,000 | 57,782,000 | 66,541,000 |
| Total loans | 42,846,000 | 40,789,000 | 40,802,000 | 40,870,000 |
| Allowance for loan losses | 523,000 | 643,000 | 763,000 | 617,000 |
| Securities available for sale | 3,690,000 | 3,486,000 | 3,493,000 | 3,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,345,000 | 50,121,000 | 48,119,000 | 56,212,000 |
| Interest-bearing deposits | 32,863,000 | 32,210,000 | 33,849,000 | 35,020,000 |
| Noninterest-bearing deposits | 12,482,000 | 17,911,000 | 14,270,000 | 21,192,000 |
| Equity capital | 5,047,000 | 5,036,000 | 5,154,000 | 5,174,000 |
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 | 759,000 | 1,450,000 | 2,157,000 | 2,903,000 |
| Interest expense | 115,000 | 228,000 | 337,000 | 446,000 |
| Net interest income | 644,000 | 1,222,000 | 1,820,000 | 2,457,000 |
| Noninterest income | 92,000 | 205,000 | 302,000 | 421,000 |
| Noninterest expense | 447,000 | 884,000 | 1,303,000 | 1,800,000 |
| Provision for loan losses | 90,000 | 210,000 | 330,000 | 420,000 |
| Pretax income | 199,000 | 333,000 | 489,000 | 658,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 2,000 |
| Net income | 198,000 | 331,000 | 487,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,908,000 | 4,899,000 | 4,993,000 | 5,095,000 |
| Total capital | 5,431,000 | 5,420,000 | 5,507,000 | 5,593,000 |
| Risk-weighted assets | 42,465,000 | 41,582,000 | 40,904,000 | 39,745,000 |
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