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 | 346,879,000 | 342,672,000 | 340,444,000 | 362,701,000 |
| Total loans | 183,432,000 | 188,487,000 | 192,767,000 | 195,776,000 |
| Allowance for loan losses | 2,098,000 | 2,286,000 | 2,158,000 | 2,441,000 |
| Securities available for sale | 111,737,000 | 104,654,000 | 100,551,000 | 112,084,000 |
| Securities held to maturity | 3,844,000 | 4,029,000 | 5,513,000 | 5,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,098,000 | 312,390,000 | 309,041,000 | 332,415,000 |
| Interest-bearing deposits | 298,841,000 | 292,990,000 | 293,667,000 | 311,509,000 |
| Noninterest-bearing deposits | 18,257,000 | 19,400,000 | 15,374,000 | 20,906,000 |
| Equity capital | 27,341,000 | 27,994,000 | 28,633,000 | 28,359,000 |
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 | 4,010,000 | 8,032,000 | 12,150,000 | 16,246,000 |
| Interest expense | 928,000 | 1,811,000 | 2,643,000 | 3,474,000 |
| Net interest income | 3,082,000 | 6,221,000 | 9,507,000 | 12,772,000 |
| Noninterest income | 782,000 | 1,570,000 | 2,443,000 | 3,366,000 |
| Noninterest expense | 2,476,000 | 5,191,000 | 7,842,000 | 10,785,000 |
| Provision for loan losses | 333,000 | 666,000 | 1,499,000 | 2,017,000 |
| Pretax income | 1,055,000 | 1,934,000 | 2,609,000 | 3,338,000 |
| Income tax | 321,000 | 583,000 | 794,000 | 989,000 |
| Net income | 734,000 | 1,351,000 | 1,815,000 | 2,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,367,000 | 26,944,000 | 27,409,000 | 27,507,000 |
| Total capital | 28,465,000 | 29,230,000 | 29,567,000 | 29,948,000 |
| Risk-weighted assets | 205,310,000 | 207,653,000 | 210,824,000 | 216,600,000 |