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 | 55,633,000 | 51,828,000 | 53,818,000 | 50,917,000 |
| Total loans | 20,131,000 | 19,497,000 | 19,018,000 | 18,541,000 |
| Allowance for loan losses | 446,000 | 459,000 | 475,000 | 430,000 |
| Securities available for sale | 21,183,000 | 23,588,000 | 25,701,000 | 24,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,735,000 | 42,774,000 | 44,894,000 | 42,300,000 |
| Interest-bearing deposits | 38,159,000 | 36,276,000 | 37,175,000 | 35,252,000 |
| Noninterest-bearing deposits | 8,576,000 | 6,498,000 | 7,719,000 | 7,048,000 |
| Equity capital | 8,805,000 | 8,932,000 | 8,699,000 | 8,532,000 |
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 | 560,000 | 1,112,000 | 1,632,000 | 2,121,000 |
| Interest expense | 79,000 | 147,000 | 213,000 | 277,000 |
| Net interest income | 481,000 | 965,000 | 1,419,000 | 1,844,000 |
| Noninterest income | 42,000 | 82,000 | 120,000 | 168,000 |
| Noninterest expense | 427,000 | 889,000 | 1,340,000 | 1,788,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 4,000 |
| Pretax income | 81,000 | 128,000 | 154,000 | 220,000 |
| Income tax | 2,000 | 1,000 | 0 | -13,000 |
| Net income | 79,000 | 127,000 | 154,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,527,000 | 8,573,000 | 8,270,000 | 8,229,000 |
| Total capital | 8,851,000 | 8,878,000 | 8,567,000 | 8,522,000 |
| Risk-weighted assets | 25,762,000 | 24,229,000 | 23,611,000 | 23,293,000 |
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