Call reports 2010
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2010
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 82,390,000 | 85,554,000 | 82,922,000 | 100,869,000 |
| Total loans | 39,339,000 | 41,435,000 | 40,545,000 | 52,907,000 |
| Allowance for loan losses | 873,000 | 876,000 | 883,000 | 885,000 |
| Securities available for sale | 30,642,000 | 33,125,000 | 30,926,000 | 35,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,974,000 | 70,098,000 | 67,381,000 | 83,788,000 |
| Interest-bearing deposits | 47,831,000 | 50,464,000 | 48,372,000 | 57,171,000 |
| Noninterest-bearing deposits | 19,143,000 | 19,634,000 | 19,009,000 | 26,617,000 |
| Equity capital | 7,414,000 | 7,809,000 | 7,800,000 | 9,280,000 |
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 | 947,000 | 1,874,000 | 2,807,000 | 3,714,000 |
| Interest expense | 195,000 | 413,000 | 611,000 | 809,000 |
| Net interest income | 752,000 | 1,461,000 | 2,196,000 | 2,905,000 |
| Noninterest income | 166,000 | 340,000 | 504,000 | 696,000 |
| Noninterest expense | 575,000 | 1,139,000 | 1,710,000 | 2,435,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 378,000 | 697,000 | 1,025,000 | 1,201,000 |
| Income tax | 14,000 | 31,000 | 43,000 | 53,000 |
| Net income | 364,000 | 666,000 | 982,000 | 1,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,747,000 | 6,870,000 | 7,007,000 | 8,695,000 |
| Total capital | 7,306,000 | 7,453,000 | 7,575,000 | 9,403,000 |
| Risk-weighted assets | 44,430,000 | 46,338,000 | 45,132,000 | 56,448,000 |