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 | 80,521,000 | 77,218,000 | 78,707,000 | 77,020,000 |
| Total loans | 54,283,000 | 57,352,000 | 63,723,000 | 60,996,000 |
| Allowance for loan losses | 527,000 | 531,000 | 585,000 | 648,000 |
| Securities available for sale | 4,205,000 | 3,836,000 | 3,422,000 | 3,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,753,000 | 71,110,000 | 68,773,000 | 70,638,000 |
| Interest-bearing deposits | 62,851,000 | 61,349,000 | 58,942,000 | 58,721,000 |
| Noninterest-bearing deposits | 9,902,000 | 9,761,000 | 9,831,000 | 11,917,000 |
| Equity capital | 5,593,000 | 5,888,000 | 6,173,000 | 6,263,000 |
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 | 1,056,000 | 2,139,000 | 3,279,000 | 4,419,000 |
| Interest expense | 266,000 | 496,000 | 698,000 | 881,000 |
| Net interest income | 790,000 | 1,643,000 | 2,581,000 | 3,538,000 |
| Noninterest income | 89,000 | 180,000 | 266,000 | 343,000 |
| Noninterest expense | 505,000 | 980,000 | 1,467,000 | 2,125,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 200,000 |
| Pretax income | 329,000 | 753,000 | 1,240,000 | 1,556,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 753,000 | 1,240,000 | 1,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,372,000 | 5,664,000 | 5,982,000 | 6,103,000 |
| Total capital | 5,899,000 | 6,195,000 | 6,567,000 | 6,751,000 |
| Risk-weighted assets | 52,889,000 | 54,280,000 | 59,377,000 | 57,128,000 |