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 | 30,533,000 | 29,779,000 | 30,714,000 | 30,420,000 |
| Total loans | 21,557,000 | 23,020,000 | 23,220,000 | 22,560,000 |
| Allowance for loan losses | 331,000 | 333,000 | 333,000 | 333,000 |
| Securities available for sale | 1,964,000 | 1,809,000 | 1,406,000 | 1,571,000 |
| Securities held to maturity | 1,208,000 | 1,208,000 | 1,218,000 | 1,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,691,000 | 24,973,000 | 25,820,000 | 25,517,000 |
| Interest-bearing deposits | 20,566,000 | 20,381,000 | 20,251,000 | 20,040,000 |
| Noninterest-bearing deposits | 5,126,000 | 4,592,000 | 5,569,000 | 5,477,000 |
| Equity capital | 2,814,000 | 2,778,000 | 2,862,000 | 2,887,000 |
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 | 375,000 | 765,000 | 1,162,000 | 1,541,000 |
| Interest expense | 90,000 | 177,000 | 261,000 | 340,000 |
| Net interest income | 285,000 | 588,000 | 901,000 | 1,201,000 |
| Noninterest income | 35,000 | 67,000 | 117,000 | 162,000 |
| Noninterest expense | 263,000 | 536,000 | 815,000 | 1,128,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 119,000 | 203,000 | 235,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 57,000 | 119,000 | 203,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,796,000 | 2,760,000 | 2,843,000 | 2,878,000 |
| Total capital | 3,033,000 | 3,007,000 | 3,097,000 | 3,130,000 |
| Risk-weighted assets | 18,961,000 | 19,713,000 | 20,209,000 | 20,059,000 |