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 | 161,854,000 | 159,330,000 | 148,928,000 | 144,652,000 |
| Total loans | 107,613,000 | 105,460,000 | 100,888,000 | 99,419,000 |
| Allowance for loan losses | 3,400,000 | 3,409,000 | 3,474,000 | 3,248,000 |
| Securities available for sale | 25,898,000 | 22,129,000 | 21,600,000 | 21,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,803,000 | 144,808,000 | 134,077,000 | 132,150,000 |
| Interest-bearing deposits | 122,120,000 | 119,184,000 | 110,792,000 | 108,035,000 |
| Noninterest-bearing deposits | 25,682,000 | 25,624,000 | 23,284,000 | 24,115,000 |
| Equity capital | 8,331,000 | 8,847,000 | 9,029,000 | 6,705,000 |
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 | 1,926,000 | 3,812,000 | 5,499,000 | 7,105,000 |
| Interest expense | 567,000 | 1,105,000 | 1,583,000 | 2,008,000 |
| Net interest income | 1,359,000 | 2,707,000 | 3,916,000 | 5,097,000 |
| Noninterest income | 286,000 | 536,000 | 967,000 | 1,197,000 |
| Noninterest expense | 1,489,000 | 3,038,000 | 4,580,000 | 6,990,000 |
| Provision for loan losses | 1,125,000 | 1,050,000 | 1,325,000 | 2,141,000 |
| Pretax income | -892,000 | -518,000 | -434,000 | -2,148,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -892,000 | -518,000 | -434,000 | -2,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,878,000 | 8,252,000 | 8,336,000 | 6,623,000 |
| Total capital | 9,430,000 | 9,788,000 | 9,778,000 | 8,023,000 |
| Risk-weighted assets | 124,414,000 | 120,983,000 | 113,317,000 | 110,185,000 |