Call reports 2010
CITIZENS STATE BANK OF NEW CASTLE — 2010
What CITIZENS STATE BANK OF NEW CASTLE 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 | 237,552,000 | 244,818,000 | 242,036,000 | 244,258,000 |
| Total loans | 123,381,000 | 126,306,000 | 123,289,000 | 124,179,000 |
| Allowance for loan losses | 3,594,000 | 4,028,000 | 3,801,000 | 4,067,000 |
| Securities available for sale | 45,136,000 | 45,605,000 | 52,377,000 | 57,076,000 |
| Securities held to maturity | 42,272,000 | 38,958,000 | 38,394,000 | 39,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,146,000 | 217,539,000 | 214,736,000 | 217,755,000 |
| Interest-bearing deposits | 201,507,000 | 208,598,000 | 206,305,000 | 209,049,000 |
| Noninterest-bearing deposits | 8,639,000 | 8,941,000 | 8,431,000 | 8,706,000 |
| Equity capital | 25,040,000 | 24,989,000 | 25,088,000 | 24,676,000 |
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 | 2,623,000 | 5,264,000 | 7,879,000 | 10,462,000 |
| Interest expense | 449,000 | 885,000 | 1,289,000 | 1,657,000 |
| Net interest income | 2,174,000 | 4,379,000 | 6,590,000 | 8,805,000 |
| Noninterest income | 609,000 | 1,226,000 | 1,886,000 | 2,515,000 |
| Noninterest expense | 2,052,000 | 4,105,000 | 6,134,000 | 8,095,000 |
| Provision for loan losses | 228,000 | 788,000 | 1,089,000 | 1,492,000 |
| Pretax income | 503,000 | 740,000 | 1,281,000 | 1,832,000 |
| Income tax | -19,000 | -29,000 | 88,000 | 164,000 |
| Net income | 522,000 | 769,000 | 1,193,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,204,000 | 24,119,000 | 24,183,000 | 24,298,000 |
| Total capital | 25,926,000 | 25,865,000 | 25,904,000 | 26,053,000 |
| Risk-weighted assets | 135,917,000 | 137,424,000 | 135,564,000 | 138,055,000 |