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 | 83,044,000 | 79,834,000 | 76,642,000 | 73,177,000 |
| Total loans | 57,985,000 | 56,486,000 | 54,558,000 | 52,124,000 |
| Allowance for loan losses | 1,617,000 | 1,786,000 | 1,360,000 | 1,371,000 |
| Securities available for sale | 2,128,000 | 2,016,000 | 1,943,000 | 2,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,509,000 | 71,726,000 | 68,895,000 | 65,870,000 |
| Interest-bearing deposits | 68,052,000 | 64,263,000 | 62,000,000 | 59,331,000 |
| Noninterest-bearing deposits | 6,457,000 | 7,463,000 | 6,895,000 | 6,539,000 |
| Equity capital | 7,063,000 | 6,657,000 | 6,348,000 | 5,945,000 |
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 | 920,000 | 1,772,000 | 2,538,000 | 3,345,000 |
| Interest expense | 349,000 | 672,000 | 952,000 | 1,204,000 |
| Net interest income | 571,000 | 1,100,000 | 1,586,000 | 2,141,000 |
| Noninterest income | -90,000 | 2,000 | 72,000 | 242,000 |
| Noninterest expense | 639,000 | 1,729,000 | 2,576,000 | 3,393,000 |
| Provision for loan losses | 325,000 | 525,000 | 740,000 | 1,342,000 |
| Pretax income | -483,000 | -1,152,000 | -1,658,000 | -2,352,000 |
| Income tax | -184,000 | -441,000 | -636,000 | -946,000 |
| Net income | -299,000 | -711,000 | -1,022,000 | -1,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,568,000 | 6,156,000 | 5,845,000 | 5,461,000 |
| Total capital | 7,355,000 | 6,919,000 | 6,589,000 | 6,193,000 |
| Risk-weighted assets | 62,159,000 | 59,989,000 | 58,883,000 | 57,919,000 |