Call reports 2010
CITIZENS 1ST BANK — 2010
What CITIZENS 1ST 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 | 705,243,000 | 694,752,000 | 717,012,000 | 729,103,000 |
| Total loans | 255,896,000 | 250,220,000 | 244,483,000 | 237,664,000 |
| Allowance for loan losses | 926,000 | 1,225,000 | 1,394,000 | 1,669,000 |
| Securities available for sale | 411,974,000 | 420,233,000 | 452,019,000 | 471,885,000 |
| Securities held to maturity | 469,000 | 469,000 | 305,000 | 305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,620,000 | 430,152,000 | 438,502,000 | 434,720,000 |
| Interest-bearing deposits | 386,270,000 | 400,744,000 | 405,479,000 | 400,502,000 |
| Noninterest-bearing deposits | 29,350,000 | 29,408,000 | 33,023,000 | 34,218,000 |
| Equity capital | 116,992,000 | 117,535,000 | 122,986,000 | 123,814,000 |
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 | 9,044,000 | 17,715,000 | 26,501,000 | 34,982,000 |
| Interest expense | 2,973,000 | 5,642,000 | 8,202,000 | 10,692,000 |
| Net interest income | 6,071,000 | 12,073,000 | 18,299,000 | 24,290,000 |
| Noninterest income | 186,000 | 411,000 | 722,000 | 982,000 |
| Noninterest expense | 1,614,000 | 3,311,000 | 4,912,000 | 6,772,000 |
| Provision for loan losses | 100,000 | 400,000 | 700,000 | 1,000,000 |
| Pretax income | 4,544,000 | 8,773,000 | 13,409,000 | 17,500,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,544,000 | 8,773,000 | 13,409,000 | 17,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,353,000 | 104,590,000 | 109,239,000 | 113,330,000 |
| Total capital | 107,279,000 | 105,816,000 | 110,633,000 | 115,000,000 |
| Risk-weighted assets | 347,509,000 | 291,139,000 | 292,878,000 | 296,217,000 |