Call reports 2010
CITIZENS STATE BANK AND TRUST COMPANY — 2010
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 73,891,000 | 72,936,000 | 70,489,000 | 70,957,000 |
| Total loans | 36,169,000 | 37,529,000 | 41,229,000 | 39,690,000 |
| Allowance for loan losses | 353,000 | 348,000 | 350,000 | 363,000 |
| Securities available for sale | 20,964,000 | 19,501,000 | 18,587,000 | 19,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,638,000 | 60,193,000 | 55,153,000 | 56,487,000 |
| Interest-bearing deposits | 50,811,000 | 48,648,000 | 43,622,000 | 46,053,000 |
| Noninterest-bearing deposits | 10,827,000 | 11,545,000 | 11,531,000 | 10,434,000 |
| Equity capital | 11,446,000 | 11,446,000 | 11,516,000 | 11,371,000 |
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 | 726,000 | 1,456,000 | 2,209,000 | 2,923,000 |
| Interest expense | 143,000 | 283,000 | 415,000 | 550,000 |
| Net interest income | 583,000 | 1,173,000 | 1,794,000 | 2,373,000 |
| Noninterest income | 186,000 | 313,000 | 494,000 | 678,000 |
| Noninterest expense | 572,000 | 1,161,000 | 1,751,000 | 2,308,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 197,000 | 325,000 | 556,000 | 737,000 |
| Income tax | 5,000 | 22,000 | 33,000 | 43,000 |
| Net income | 192,000 | 303,000 | 523,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,195,000 | 11,190,000 | 11,297,000 | 11,356,000 |
| Total capital | 11,548,000 | 11,538,000 | 11,647,000 | 11,719,000 |
| Risk-weighted assets | 44,685,000 | 46,091,000 | 48,763,000 | 47,479,000 |