Call reports 2010
CITIZENS STATE BANK, THE — 2010
What CITIZENS STATE BANK, THE 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 | 297,499,000 | 291,835,000 | 285,851,000 | 288,814,000 |
| Total loans | 236,178,000 | 230,929,000 | 224,713,000 | 224,669,000 |
| Allowance for loan losses | 4,060,000 | 3,784,000 | 4,948,000 | 3,488,000 |
| Securities available for sale | 48,018,000 | 47,086,000 | 48,856,000 | 50,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,776,000 | 207,034,000 | 202,970,000 | 207,821,000 |
| Interest-bearing deposits | 195,244,000 | 188,521,000 | 183,532,000 | 180,938,000 |
| Noninterest-bearing deposits | 17,533,000 | 18,513,000 | 19,438,000 | 26,883,000 |
| Equity capital | 28,676,000 | 29,166,000 | 27,213,000 | 26,946,000 |
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 | 3,790,000 | 7,550,000 | 11,186,000 | 14,734,000 |
| Interest expense | 1,439,000 | 2,848,000 | 4,193,000 | 5,414,000 |
| Net interest income | 2,351,000 | 4,702,000 | 6,993,000 | 9,320,000 |
| Noninterest income | 150,000 | 304,000 | 469,000 | 606,000 |
| Noninterest expense | 1,050,000 | 2,033,000 | 3,032,000 | 4,119,000 |
| Provision for loan losses | 750,000 | 1,700,000 | 6,870,000 | 7,555,000 |
| Pretax income | 784,000 | 1,393,000 | -2,320,000 | -1,628,000 |
| Income tax | 31,000 | 48,000 | 63,000 | 40,000 |
| Net income | 753,000 | 1,345,000 | -2,383,000 | -1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,826,000 | 26,058,000 | 23,829,000 | 24,545,000 |
| Total capital | 28,796,000 | 28,958,000 | 26,666,000 | 27,393,000 |
| Risk-weighted assets | 236,471,000 | 230,888,000 | 224,855,000 | 227,457,000 |
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