Call reports 2011
CITIZENS STATE BANK, THE — 2011
What CITIZENS STATE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 119,918,000 | 123,242,000 | 117,635,000 | 121,016,000 |
| Total loans | 81,610,000 | 83,275,000 | 80,232,000 | 83,253,000 |
| Allowance for loan losses | 873,000 | 877,000 | 884,000 | 886,000 |
| Securities available for sale | 30,664,000 | 29,534,000 | 27,867,000 | 25,545,000 |
| Securities held to maturity | 239,000 | 235,000 | 216,000 | 197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,498,000 | 105,180,000 | 103,008,000 | 109,127,000 |
| Interest-bearing deposits | 82,402,000 | 81,585,000 | 78,943,000 | 85,451,000 |
| Noninterest-bearing deposits | 22,096,000 | 23,595,000 | 24,064,000 | 23,677,000 |
| Equity capital | 10,830,000 | 11,088,000 | 11,377,000 | 11,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,421,000 | 2,915,000 | 4,384,000 | 5,852,000 |
| Interest expense | 187,000 | 354,000 | 510,000 | 651,000 |
| Net interest income | 1,234,000 | 2,561,000 | 3,874,000 | 5,201,000 |
| Noninterest income | 148,000 | 274,000 | 419,000 | 566,000 |
| Noninterest expense | 810,000 | 1,599,000 | 2,355,000 | 3,378,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 464,000 | 1,128,000 | 1,830,000 | 2,281,000 |
| Income tax | 157,000 | 403,000 | 651,000 | 805,000 |
| Net income | 307,000 | 725,000 | 1,179,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,251,000 | 10,394,000 | 10,555,000 | 10,318,000 |
| Total capital | 11,124,000 | 11,271,000 | 11,439,000 | 11,204,000 |
| Risk-weighted assets | 79,629,000 | 82,304,000 | 79,480,000 | 83,391,000 |