Call reports 2010
CITIZENS STATE BANK OF SHAKOPEE — 2010
What CITIZENS STATE BANK OF SHAKOPEE 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 | 26,278,000 | 24,284,000 | 24,590,000 | 21,604,000 |
| Total loans | 10,475,000 | 10,097,000 | 8,664,000 | 6,716,000 |
| Allowance for loan losses | 273,000 | 272,000 | 15,000 | 75,000 |
| Securities available for sale | 3,778,000 | 3,472,000 | 3,456,000 | 2,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,745,000 | 21,765,000 | 22,533,000 | 19,814,000 |
| Interest-bearing deposits | 19,025,000 | 17,262,000 | 18,076,000 | 11,292,000 |
| Noninterest-bearing deposits | 4,720,000 | 4,503,000 | 4,457,000 | 8,522,000 |
| Equity capital | 2,433,000 | 2,433,000 | 1,955,000 | 1,660,000 |
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 | 183,000 | 365,000 | 21,000 | 142,000 |
| Interest expense | 38,000 | 71,000 | 4,000 | 34,000 |
| Net interest income | 145,000 | 294,000 | 17,000 | 108,000 |
| Noninterest income | 30,000 | 62,000 | 5,000 | 94,000 |
| Noninterest expense | 193,000 | 379,000 | 41,000 | 399,000 |
| Provision for loan losses | 50,000 | 50,000 | 15,000 | 124,000 |
| Pretax income | -68,000 | -73,000 | -34,000 | -321,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -68,000 | -73,000 | -34,000 | -321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,429,000 | 2,424,000 | 1,923,000 | 1,666,000 |
| Total capital | 2,601,000 | 2,579,000 | 1,938,000 | 1,741,000 |
| Risk-weighted assets | 13,669,000 | 12,274,000 | 11,364,000 | 9,220,000 |