Call reports 2010
CITIZENS STATE BANK AT MOHALL, THE — 2010
What CITIZENS STATE BANK AT MOHALL, 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 | 47,292,000 | 48,354,000 | 48,829,000 | 49,793,000 |
| Total loans | 31,977,000 | 34,699,000 | 35,402,000 | 35,257,000 |
| Allowance for loan losses | 306,000 | 376,000 | 306,000 | 309,000 |
| Securities available for sale | 8,316,000 | 8,461,000 | 8,887,000 | 8,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,647,000 | 44,725,000 | 44,827,000 | 46,119,000 |
| Interest-bearing deposits | 36,498,000 | 37,297,000 | 37,695,000 | 37,464,000 |
| Noninterest-bearing deposits | 7,149,000 | 7,428,000 | 7,132,000 | 8,655,000 |
| Equity capital | 3,399,000 | 3,429,000 | 3,393,000 | 3,502,000 |
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 | 489,000 | 987,000 | 1,533,000 | 2,073,000 |
| Interest expense | 145,000 | 286,000 | 416,000 | 532,000 |
| Net interest income | 344,000 | 701,000 | 1,117,000 | 1,541,000 |
| Noninterest income | 32,000 | 65,000 | 98,000 | 152,000 |
| Noninterest expense | 253,000 | 498,000 | 806,000 | 1,109,000 |
| Provision for loan losses | 15,000 | 85,000 | 260,000 | 260,000 |
| Pretax income | 108,000 | 183,000 | 149,000 | 324,000 |
| Income tax | 6,000 | 10,000 | 6,000 | 17,000 |
| Net income | 102,000 | 173,000 | 143,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,410,000 | 3,419,000 | 3,358,000 | 3,490,000 |
| Total capital | 3,716,000 | 3,795,000 | 3,664,000 | 3,799,000 |
| Risk-weighted assets | 33,013,000 | 34,679,000 | 34,795,000 | 35,049,000 |