Call reports 2010
CITIZENS STATE BANK OF ROSEAU — 2010
What CITIZENS STATE BANK OF ROSEAU 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 | 171,935,000 | 174,716,000 | 172,874,000 | 182,953,000 |
| Total loans | 69,922,000 | 73,862,000 | 75,817,000 | 76,217,000 |
| Allowance for loan losses | 937,000 | 949,000 | 972,000 | 1,000,000 |
| Securities available for sale | 82,612,000 | 91,538,000 | 84,925,000 | 86,324,000 |
| Securities held to maturity | 410,000 | 235,000 | 235,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,048,000 | 148,059,000 | 146,021,000 | 154,890,000 |
| Interest-bearing deposits | 129,531,000 | 131,387,000 | 129,359,000 | 133,084,000 |
| Noninterest-bearing deposits | 17,517,000 | 16,672,000 | 16,662,000 | 21,806,000 |
| Equity capital | 23,062,000 | 24,021,000 | 24,930,000 | 23,595,000 |
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 | 1,893,000 | 3,813,000 | 5,763,000 | 7,687,000 |
| Interest expense | 573,000 | 1,094,000 | 1,581,000 | 2,046,000 |
| Net interest income | 1,320,000 | 2,719,000 | 4,182,000 | 5,641,000 |
| Noninterest income | 218,000 | 435,000 | 692,000 | 982,000 |
| Noninterest expense | 961,000 | 1,875,000 | 2,831,000 | 3,882,000 |
| Provision for loan losses | 27,000 | 54,000 | 86,000 | 193,000 |
| Pretax income | 574,000 | 1,257,000 | 1,979,000 | 2,574,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 573,000 | 1,256,000 | 1,977,000 | 2,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,658,000 | 21,106,000 | 21,528,000 | 21,837,000 |
| Total capital | 21,595,000 | 22,055,000 | 22,500,000 | 22,837,000 |
| Risk-weighted assets | 100,570,000 | 103,275,000 | 104,797,000 | 106,862,000 |