Call reports 2010
CITIZENS STATE BANK OF CROPSEY — 2010
What CITIZENS STATE BANK OF CROPSEY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 |
|---|---|---|---|
| Total assets | 43,802,000 | 41,967,000 | 44,257,000 |
| Total loans | 33,100,000 | 30,341,000 | 30,069,000 |
| Allowance for loan losses | 288,000 | 402,000 | 403,000 |
| Securities available for sale | 4,515,000 | 4,882,000 | 4,393,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 37,334,000 | 36,494,000 | 38,900,000 |
| Interest-bearing deposits | 33,821,000 | 32,611,000 | 33,850,000 |
| Noninterest-bearing deposits | 3,513,000 | 3,884,000 | 5,050,000 |
| Equity capital | 2,867,000 | 2,217,000 | 2,368,000 |
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 |
|---|---|---|---|
| Interest income | 549,000 | 1,055,000 | 1,565,000 |
| Interest expense | 189,000 | 357,000 | 517,000 |
| Net interest income | 360,000 | 698,000 | 1,048,000 |
| Noninterest income | 22,000 | 38,000 | 63,000 |
| Noninterest expense | 435,000 | 743,000 | 999,000 |
| Provision for loan losses | 18,000 | 745,000 | 753,000 |
| Pretax income | -71,000 | -752,000 | -641,000 |
| Income tax | 28,000 | 6,000 | 0 |
| Net income | -99,000 | -758,000 | -641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 |
|---|---|---|---|
| Tier 1 capital | 2,853,000 | 2,215,000 | 2,333,000 |
| Total capital | 3,141,000 | 2,616,000 | 2,729,000 |
| Risk-weighted assets | 34,396,000 | 31,320,000 | 31,670,000 |