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 | 37,038,000 | 37,792,000 | 38,975,000 | 37,645,000 |
| Total loans | 10,234,000 | 9,849,000 | 9,034,000 | 9,517,000 |
| Allowance for loan losses | 302,000 | 310,000 | 258,000 | 262,000 |
| Securities available for sale | 16,566,000 | 16,779,000 | 20,893,000 | 20,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,095,000 | 27,656,000 | 28,938,000 | 28,240,000 |
| Interest-bearing deposits | 19,887,000 | 20,066,000 | 21,008,000 | 21,724,000 |
| Noninterest-bearing deposits | 7,207,000 | 7,591,000 | 7,930,000 | 6,516,000 |
| Equity capital | 9,851,000 | 9,996,000 | 9,956,000 | 9,374,000 |
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 | 327,000 | 637,000 | 905,000 | 1,152,000 |
| Interest expense | 75,000 | 147,000 | 216,000 | 281,000 |
| Net interest income | 252,000 | 490,000 | 689,000 | 871,000 |
| Noninterest income | 60,000 | 124,000 | 185,000 | 245,000 |
| Noninterest expense | 248,000 | 502,000 | 763,000 | 1,025,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 64,000 | 167,000 | 293,000 | 295,000 |
| Income tax | 6,000 | 35,000 | 69,000 | 78,000 |
| Net income | 58,000 | 132,000 | 224,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,449,000 | 5,522,000 | 5,589,000 | 5,390,000 |
| Total capital | 5,594,000 | 5,693,000 | 5,757,000 | 5,559,000 |
| Risk-weighted assets | 11,473,000 | 13,527,000 | 13,368,000 | 13,428,000 |