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 | 77,074,000 | 77,389,000 | 76,725,000 | 76,285,000 |
| Total loans | 57,380,000 | 58,058,000 | 57,373,000 | 57,565,000 |
| Allowance for loan losses | 617,000 | 695,000 | 654,000 | 512,000 |
| Securities available for sale | 14,892,000 | 14,246,000 | 14,904,000 | 14,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,537,000 | 66,413,000 | 64,532,000 | 63,226,000 |
| Interest-bearing deposits | 53,908,000 | 53,769,000 | 53,005,000 | 53,962,000 |
| Noninterest-bearing deposits | 11,629,000 | 12,644,000 | 11,527,000 | 9,264,000 |
| Equity capital | 6,464,000 | 6,570,000 | 7,085,000 | 6,680,000 |
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 | 1,129,000 | 2,303,000 | 3,466,000 | 4,649,000 |
| Interest expense | 341,000 | 671,000 | 981,000 | 1,212,000 |
| Net interest income | 788,000 | 1,632,000 | 2,485,000 | 3,437,000 |
| Noninterest income | 104,000 | 199,000 | 307,000 | 417,000 |
| Noninterest expense | 670,000 | 1,286,000 | 1,941,000 | 2,661,000 |
| Provision for loan losses | 35,000 | 115,000 | 197,000 | 291,000 |
| Pretax income | 193,000 | 511,000 | 773,000 | 1,021,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 193,000 | 511,000 | 773,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,251,000 | 6,505,000 | 6,692,000 | 6,709,000 |
| Total capital | 6,868,000 | 7,200,000 | 7,346,000 | 7,221,000 |
| Risk-weighted assets | 56,348,000 | 57,247,000 | 56,744,000 | 54,763,000 |
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