Call reports 2010
CITIZENS STATE BANK OF LANKIN — 2010
What CITIZENS STATE BANK OF LANKIN 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 | 36,927,000 | 36,307,000 | 35,574,000 | 37,034,000 |
| Total loans | 26,732,000 | 28,244,000 | 28,194,000 | 27,484,000 |
| Allowance for loan losses | 472,000 | 472,000 | 462,000 | 463,000 |
| Securities available for sale | 3,399,000 | 3,300,000 | 2,686,000 | 2,414,000 |
| Securities held to maturity | 22,000 | 22,000 | 22,000 | 621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,837,000 | 33,090,000 | 32,203,000 | 33,738,000 |
| Interest-bearing deposits | 29,412,000 | 28,094,000 | 27,246,000 | 28,188,000 |
| Noninterest-bearing deposits | 4,425,000 | 4,996,000 | 4,957,000 | 5,550,000 |
| Equity capital | 2,984,000 | 3,116,000 | 3,238,000 | 3,180,000 |
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 | 507,000 | 1,014,000 | 1,551,000 | 2,058,000 |
| Interest expense | 101,000 | 197,000 | 288,000 | 370,000 |
| Net interest income | 406,000 | 817,000 | 1,263,000 | 1,688,000 |
| Noninterest income | -35,000 | 57,000 | 94,000 | -54,000 |
| Noninterest expense | 367,000 | 734,000 | 1,083,000 | 1,415,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,000 | 140,000 | 275,000 | 220,000 |
| Income tax | 0 | 0 | 19,000 | 0 |
| Net income | 4,000 | 140,000 | 256,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,945,000 | 3,081,000 | 3,196,000 | 3,160,000 |
| Total capital | 3,314,000 | 3,455,000 | 3,572,000 | 3,527,000 |
| Risk-weighted assets | 29,385,000 | 29,807,000 | 30,006,000 | 29,249,000 |