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 | 114,143,000 | 113,757,000 | 116,662,000 | 118,780,000 |
| Total loans | 77,471,000 | 76,878,000 | 76,552,000 | 80,544,000 |
| Allowance for loan losses | 1,335,000 | 1,411,000 | 1,236,000 | 1,307,000 |
| Securities available for sale | 26,313,000 | 27,436,000 | 30,581,000 | 31,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,444,000 | 95,137,000 | 97,734,000 | 95,444,000 |
| Interest-bearing deposits | 81,639,000 | 80,745,000 | 82,503,000 | 79,204,000 |
| Noninterest-bearing deposits | 13,805,000 | 14,392,000 | 15,231,000 | 16,240,000 |
| Equity capital | 11,932,000 | 12,373,000 | 12,614,000 | 12,563,000 |
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 | 1,404,000 | 2,848,000 | 4,313,000 | 5,786,000 |
| Interest expense | 319,000 | 655,000 | 946,000 | 1,207,000 |
| Net interest income | 1,085,000 | 2,193,000 | 3,367,000 | 4,579,000 |
| Noninterest income | 110,000 | 296,000 | 436,000 | 592,000 |
| Noninterest expense | 740,000 | 1,462,000 | 2,194,000 | 2,995,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 380,000 | 877,000 | 1,384,000 | 1,876,000 |
| Income tax | 97,000 | 251,000 | 387,000 | 497,000 |
| Net income | 283,000 | 626,000 | 997,000 | 1,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,564,000 | 11,906,000 | 11,978,000 | 12,360,000 |
| Total capital | 12,643,000 | 12,969,000 | 13,055,000 | 13,507,000 |
| Risk-weighted assets | 86,105,000 | 86,101,000 | 85,973,000 | 91,572,000 |