Call reports 2011
CITIZENS STATE BANK — 2011
What CITIZENS STATE BANK 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 | 99,368,000 | 99,462,000 | 102,020,000 | 105,297,000 |
| Total loans | 66,614,000 | 67,122,000 | 70,968,000 | 74,121,000 |
| Allowance for loan losses | 868,000 | 827,000 | 845,000 | 860,000 |
| Securities available for sale | 16,411,000 | 16,405,000 | 14,906,000 | 13,918,000 |
| Securities held to maturity | 11,113,000 | 10,194,000 | 10,099,000 | 10,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,799,000 | 83,136,000 | 85,583,000 | 91,042,000 |
| Interest-bearing deposits | 70,612,000 | 68,014,000 | 68,384,000 | 70,716,000 |
| Noninterest-bearing deposits | 15,187,000 | 15,122,000 | 17,199,000 | 20,326,000 |
| Equity capital | 11,853,000 | 11,660,000 | 12,005,000 | 12,279,000 |
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 | 1,100,000 | 2,202,000 | 3,320,000 | 4,460,000 |
| Interest expense | 202,000 | 397,000 | 584,000 | 765,000 |
| Net interest income | 898,000 | 1,805,000 | 2,736,000 | 3,695,000 |
| Noninterest income | 120,000 | 210,000 | 307,000 | 463,000 |
| Noninterest expense | 582,000 | 1,142,000 | 1,704,000 | 2,286,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 418,000 | 837,000 | 1,285,000 | 1,800,000 |
| Income tax | 21,000 | 42,000 | 64,000 | 85,000 |
| Net income | 397,000 | 795,000 | 1,221,000 | 1,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,144,000 | 9,717,000 | 9,993,000 | 10,337,000 |
| Total capital | 10,994,000 | 10,544,000 | 10,838,000 | 11,197,000 |
| Risk-weighted assets | 68,016,000 | 68,325,000 | 72,104,000 | 75,143,000 |
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