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 | 174,660,000 | 171,026,000 | 173,506,000 | 170,910,000 |
| Total loans | 58,050,000 | 58,440,000 | 54,854,000 | 52,011,000 |
| Allowance for loan losses | 799,000 | 963,000 | 678,000 | 681,000 |
| Securities available for sale | 102,020,000 | 100,250,000 | 103,420,000 | 111,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,411,000 | 148,683,000 | 149,858,000 | 148,829,000 |
| Interest-bearing deposits | 117,896,000 | 115,163,000 | 116,135,000 | 113,014,000 |
| Noninterest-bearing deposits | 34,515,000 | 33,520,000 | 33,723,000 | 35,815,000 |
| Equity capital | 18,856,000 | 18,811,000 | 20,255,000 | 18,326,000 |
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 | 1,797,000 | 3,536,000 | 5,255,000 | 6,948,000 |
| Interest expense | 386,000 | 755,000 | 1,100,000 | 1,416,000 |
| Net interest income | 1,411,000 | 2,781,000 | 4,155,000 | 5,532,000 |
| Noninterest income | 205,000 | 466,000 | 695,000 | 917,000 |
| Noninterest expense | 1,024,000 | 2,058,000 | 3,112,000 | 4,382,000 |
| Provision for loan losses | 39,000 | 207,000 | 437,000 | 451,000 |
| Pretax income | 1,001,000 | 1,862,000 | 2,337,000 | 2,829,000 |
| Income tax | 194,000 | 332,000 | 335,000 | 341,000 |
| Net income | 807,000 | 1,530,000 | 2,002,000 | 2,488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,318,000 | 17,640,000 | 18,113,000 | 17,797,000 |
| Total capital | 18,117,000 | 18,595,000 | 18,791,000 | 18,478,000 |
| Risk-weighted assets | 76,567,000 | 76,393,000 | 74,768,000 | 72,809,000 |