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 | 83,483,000 | 83,905,000 | 85,145,000 | 85,339,000 |
| Total loans | 38,847,000 | 37,816,000 | 38,716,000 | 36,924,000 |
| Allowance for loan losses | 823,000 | 821,000 | 819,000 | 823,000 |
| Securities available for sale | 37,272,000 | 37,883,000 | 39,852,000 | 41,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,942,000 | 64,680,000 | 64,875,000 | 66,619,000 |
| Interest-bearing deposits | 57,331,000 | 57,490,000 | 57,673,000 | 58,246,000 |
| Noninterest-bearing deposits | 7,611,000 | 7,190,000 | 7,202,000 | 8,373,000 |
| Equity capital | 17,520,000 | 18,262,000 | 18,960,000 | 17,644,000 |
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 | 1,067,000 | 2,138,000 | 3,197,000 | 4,240,000 |
| Interest expense | 288,000 | 575,000 | 846,000 | 1,099,000 |
| Net interest income | 779,000 | 1,563,000 | 2,351,000 | 3,141,000 |
| Noninterest income | 101,000 | 215,000 | 331,000 | 384,000 |
| Noninterest expense | 462,000 | 916,000 | 1,392,000 | 1,961,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 418,000 | 864,000 | 1,298,000 | 1,572,000 |
| Income tax | 21,000 | 43,000 | 65,000 | 70,000 |
| Net income | 397,000 | 821,000 | 1,233,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,319,000 | 16,648,000 | 16,964,000 | 16,706,000 |
| Total capital | 16,929,000 | 17,248,000 | 17,576,000 | 17,302,000 |
| Risk-weighted assets | 48,617,000 | 47,847,000 | 48,735,000 | 47,428,000 |
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