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 | 194,028,000 | 198,963,000 | 204,564,000 | 203,496,000 |
| Total loans | 140,418,000 | 144,252,000 | 144,463,000 | 143,131,000 |
| Allowance for loan losses | 1,524,000 | 1,585,000 | 1,747,000 | 1,701,000 |
| Securities available for sale | 37,761,000 | 37,815,000 | 41,239,000 | 42,568,000 |
| Securities held to maturity | 1,210,000 | 1,210,000 | 883,000 | 1,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,979,000 | 170,883,000 | 175,738,000 | 177,258,000 |
| Interest-bearing deposits | 150,937,000 | 155,876,000 | 160,113,000 | 158,382,000 |
| Noninterest-bearing deposits | 15,041,000 | 15,007,000 | 15,625,000 | 18,876,000 |
| Equity capital | 19,653,000 | 20,014,000 | 20,346,000 | 20,167,000 |
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 | 2,425,000 | 4,900,000 | 7,417,000 | 9,894,000 |
| Interest expense | 813,000 | 1,604,000 | 2,347,000 | 3,037,000 |
| Net interest income | 1,612,000 | 3,296,000 | 5,070,000 | 6,857,000 |
| Noninterest income | 207,000 | 463,000 | 756,000 | 1,035,000 |
| Noninterest expense | 1,141,000 | 2,295,000 | 3,479,000 | 4,755,000 |
| Provision for loan losses | 150,000 | 300,000 | 530,000 | 810,000 |
| Pretax income | 548,000 | 1,204,000 | 1,858,000 | 2,368,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 33,000 |
| Net income | 541,000 | 1,189,000 | 1,835,000 | 2,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,566,000 | 16,812,000 | 17,154,000 | 17,649,000 |
| Total capital | 18,090,000 | 18,397,000 | 18,901,000 | 19,350,000 |
| Risk-weighted assets | 157,211,000 | 159,338,000 | 159,188,000 | 157,450,000 |