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 | 86,492,000 | 92,403,000 | 94,811,000 | 98,280,000 |
| Total loans | 66,032,000 | 71,698,000 | 75,094,000 | 77,208,000 |
| Allowance for loan losses | 652,000 | 855,000 | 896,000 | 1,903,000 |
| Securities available for sale | 0 | 0 | 0 | 9,698,000 |
| Securities held to maturity | 6,639,000 | 7,225,000 | 9,407,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,899,000 | 83,504,000 | 85,629,000 | 89,042,000 |
| Interest-bearing deposits | 59,808,000 | 65,686,000 | 68,841,000 | 73,017,000 |
| Noninterest-bearing deposits | 16,091,000 | 17,817,000 | 16,788,000 | 16,024,000 |
| Equity capital | 8,045,000 | 8,599,000 | 8,881,000 | 8,955,000 |
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 | 1,027,000 | 2,144,000 | 3,258,000 | 4,590,000 |
| Interest expense | 302,000 | 594,000 | 902,000 | 1,210,000 |
| Net interest income | 725,000 | 1,550,000 | 2,356,000 | 3,380,000 |
| Noninterest income | 136,000 | 277,000 | 429,000 | 578,000 |
| Noninterest expense | 763,000 | 1,575,000 | 2,387,000 | 3,283,000 |
| Provision for loan losses | 22,000 | 242,000 | 304,000 | 1,629,000 |
| Pretax income | 77,000 | 11,000 | 95,000 | -953,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 77,000 | 11,000 | 95,000 | -953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,045,000 | 8,599,000 | 8,881,000 | 9,074,000 |
| Total capital | 8,697,000 | 9,454,000 | 9,777,000 | 10,139,000 |
| Risk-weighted assets | 73,827,000 | 78,869,000 | 82,031,000 | 84,348,000 |