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 | 114,127,000 | 112,463,000 | 115,612,000 | 118,380,000 |
| Total loans | 64,974,000 | 68,875,000 | 67,487,000 | 78,086,000 |
| Allowance for loan losses | 1,003,000 | 949,000 | 935,000 | 921,000 |
| Securities available for sale | 33,587,000 | 32,332,000 | 30,968,000 | 30,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,588,000 | 101,759,000 | 104,546,000 | 102,232,000 |
| Interest-bearing deposits | 83,567,000 | 81,813,000 | 82,494,000 | 81,730,000 |
| Noninterest-bearing deposits | 20,021,000 | 19,946,000 | 22,052,000 | 20,502,000 |
| Equity capital | 10,022,000 | 10,135,000 | 10,466,000 | 10,519,000 |
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 | 1,606,000 | 3,177,000 | 4,758,000 | 6,241,000 |
| Interest expense | 187,000 | 359,000 | 520,000 | 672,000 |
| Net interest income | 1,419,000 | 2,818,000 | 4,238,000 | 5,569,000 |
| Noninterest income | 603,000 | 785,000 | 1,035,000 | 1,267,000 |
| Noninterest expense | 1,622,000 | 3,177,000 | 4,755,000 | 6,270,000 |
| Provision for loan losses | -130,000 | -130,000 | -130,000 | -130,000 |
| Pretax income | 585,000 | 623,000 | 719,000 | 792,000 |
| Income tax | 0 | 0 | 0 | -191,000 |
| Net income | 585,000 | 623,000 | 719,000 | 983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,755,000 | 9,750,000 | 9,922,000 | 10,027,000 |
| Total capital | 10,608,000 | 10,589,000 | 10,670,000 | 10,890,000 |
| Risk-weighted assets | 68,085,000 | 67,041,000 | 67,241,000 | 68,941,000 |