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 | 131,567,000 | 123,354,000 | 115,112,000 | 126,216,000 |
| Total loans | 58,399,000 | 65,339,000 | 68,561,000 | 68,560,000 |
| Allowance for loan losses | 701,000 | 717,000 | 732,000 | 797,000 |
| Securities available for sale | 48,612,000 | 43,723,000 | 32,864,000 | 34,292,000 |
| Securities held to maturity | 1,103,000 | 1,100,000 | 1,096,000 | 1,093,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,703,000 | 108,742,000 | 99,646,000 | 111,095,000 |
| Interest-bearing deposits | 99,363,000 | 17,584,000 | 80,650,000 | 89,155,000 |
| Noninterest-bearing deposits | 18,340,000 | 91,158,000 | 18,996,000 | 21,940,000 |
| Equity capital | 13,236,000 | 13,833,000 | 14,549,000 | 14,636,000 |
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 | 1,311,000 | 2,796,000 | 4,344,000 | 5,832,000 |
| Interest expense | 204,000 | 415,000 | 596,000 | 757,000 |
| Net interest income | 1,107,000 | 2,381,000 | 3,748,000 | 5,075,000 |
| Noninterest income | 82,000 | 169,000 | 266,000 | 420,000 |
| Noninterest expense | 802,000 | 1,566,000 | 2,340,000 | 3,141,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 110,000 |
| Pretax income | 372,000 | 954,000 | 1,629,000 | 2,244,000 |
| Income tax | 80,000 | 241,000 | 424,000 | 572,000 |
| Net income | 292,000 | 713,000 | 1,205,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,802,000 | 13,223,000 | 13,715,000 | 14,187,000 |
| Total capital | 13,503,000 | 13,940,000 | 14,447,000 | 14,984,000 |
| Risk-weighted assets | 72,424,000 | 78,770,000 | 80,116,000 | 80,610,000 |