Call reports 2011
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2011
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 9,000,000 | 9,061,000 | 9,038,000 | 10,477,000 |
| Total loans | 3,726,000 | 4,437,000 | 4,402,000 | 4,772,000 |
| Allowance for loan losses | 52,000 | 55,000 | 56,000 | 57,000 |
| Securities available for sale | 3,738,000 | 2,494,000 | 2,707,000 | 2,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,275,000 | 7,292,000 | 7,284,000 | 8,717,000 |
| Interest-bearing deposits | 6,342,000 | 6,333,000 | 6,261,000 | 7,023,000 |
| Noninterest-bearing deposits | 933,000 | 959,000 | 1,023,000 | 1,695,000 |
| Equity capital | 1,706,000 | 1,743,000 | 1,745,000 | 1,732,000 |
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 | 96,000 | 196,000 | 303,000 | 404,000 |
| Interest expense | 14,000 | 26,000 | 39,000 | 51,000 |
| Net interest income | 82,000 | 170,000 | 264,000 | 353,000 |
| Noninterest income | 9,000 | 19,000 | 28,000 | 36,000 |
| Noninterest expense | 101,000 | 168,000 | 282,000 | 387,000 |
| Provision for loan losses | 3,000 | 6,000 | 7,000 | 8,000 |
| Pretax income | -13,000 | 15,000 | 3,000 | -6,000 |
| Income tax | -1,000 | -1,000 | -1,000 | -1,000 |
| Net income | -12,000 | 16,000 | 4,000 | -5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,150,000 | 1,178,000 | 1,166,000 | 1,157,000 |
| Total capital | 1,202,000 | 1,233,000 | 1,222,000 | 1,214,000 |
| Risk-weighted assets | 4,832,000 | 5,396,000 | 5,205,000 | 5,601,000 |