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 | 75,682,000 | 77,785,000 | 79,018,000 | 79,657,000 |
| Total loans | 31,639,000 | 32,357,000 | 32,315,000 | 31,786,000 |
| Allowance for loan losses | 446,000 | 464,000 | 515,000 | 616,000 |
| Securities available for sale | 35,139,000 | 37,355,000 | 38,233,000 | 39,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,706,000 | 55,091,000 | 53,513,000 | 53,655,000 |
| Interest-bearing deposits | 49,849,000 | 50,960,000 | 49,295,000 | 49,731,000 |
| Noninterest-bearing deposits | 3,857,000 | 4,131,000 | 4,218,000 | 3,924,000 |
| Equity capital | 14,297,000 | 14,862,000 | 15,338,000 | 15,697,000 |
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 | 763,000 | 1,560,000 | 2,355,000 | 3,107,000 |
| Interest expense | 174,000 | 345,000 | 516,000 | 685,000 |
| Net interest income | 589,000 | 1,215,000 | 1,839,000 | 2,422,000 |
| Noninterest income | 79,000 | 160,000 | 264,000 | 528,000 |
| Noninterest expense | 400,000 | 824,000 | 1,261,000 | 1,668,000 |
| Provision for loan losses | 18,000 | 36,000 | 114,000 | 215,000 |
| Pretax income | 250,000 | 522,000 | 796,000 | 1,135,000 |
| Income tax | 63,000 | 108,000 | 147,000 | 97,000 |
| Net income | 187,000 | 414,000 | 649,000 | 1,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,641,000 | 8,868,000 | 9,102,000 | 9,491,000 |
| Total capital | 9,087,000 | 9,332,000 | 9,617,000 | 10,006,000 |
| Risk-weighted assets | 41,209,000 | 42,134,000 | 41,850,000 | 41,070,000 |
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