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 | 14,561,000 | 15,215,000 | 16,253,000 | 15,375,000 |
| Total loans | 11,150,000 | 12,100,000 | 12,914,000 | 11,715,000 |
| Allowance for loan losses | 88,000 | 83,000 | 90,000 | 90,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,584,000 | 11,453,000 | 11,299,000 | 11,082,000 |
| Interest-bearing deposits | 10,553,000 | 10,601,000 | 10,558,000 | 10,172,000 |
| Noninterest-bearing deposits | 1,031,000 | 852,000 | 741,000 | 910,000 |
| Equity capital | 1,008,000 | 1,043,000 | 1,098,000 | 1,099,000 |
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 | 229,000 | 466,000 | 724,000 | 965,000 |
| Interest expense | 72,000 | 143,000 | 204,000 | 278,000 |
| Net interest income | 157,000 | 323,000 | 520,000 | 687,000 |
| Noninterest income | 23,000 | 48,000 | 70,000 | 98,000 |
| Noninterest expense | 135,000 | 283,000 | 436,000 | 602,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 88,000 | 154,000 | 183,000 |
| Income tax | 4,000 | 12,000 | 23,000 | 51,000 |
| Net income | 41,000 | 76,000 | 131,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,008,000 | 1,043,000 | 1,098,000 | 1,099,000 |
| Total capital | 1,096,000 | 1,126,000 | 1,188,000 | 1,189,000 |
| Risk-weighted assets | 8,375,000 | 9,060,000 | 10,131,000 | 9,653,000 |