Call reports 2011
CITIZENS STATE BANK OF HAYFIELD — 2011
What CITIZENS STATE BANK OF HAYFIELD 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 | 63,552,000 | 68,311,000 | 67,003,000 | 71,533,000 |
| Total loans | 54,257,000 | 55,841,000 | 56,552,000 | 56,255,000 |
| Allowance for loan losses | 816,000 | 829,000 | 808,000 | 814,000 |
| Securities available for sale | 2,612,000 | 2,535,000 | 3,468,000 | 3,270,000 |
| Securities held to maturity | 80,000 | 80,000 | 80,000 | 80,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,467,000 | 61,132,000 | 60,267,000 | 64,824,000 |
| Interest-bearing deposits | 47,600,000 | 52,717,000 | 50,943,000 | 52,049,000 |
| Noninterest-bearing deposits | 8,867,000 | 8,415,000 | 9,324,000 | 12,775,000 |
| Equity capital | 5,093,000 | 5,210,000 | 5,355,000 | 5,366,000 |
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 | 830,000 | 1,702,000 | 2,574,000 | 3,448,000 |
| Interest expense | 188,000 | 380,000 | 562,000 | 735,000 |
| Net interest income | 642,000 | 1,322,000 | 2,012,000 | 2,713,000 |
| Noninterest income | 62,000 | 125,000 | 182,000 | 249,000 |
| Noninterest expense | 575,000 | 1,136,000 | 1,676,000 | 2,317,000 |
| Provision for loan losses | 12,000 | 24,000 | 37,000 | 52,000 |
| Pretax income | 117,000 | 287,000 | 481,000 | 593,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 116,000 | 286,000 | 480,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,086,000 | 5,164,000 | 5,282,000 | 5,311,000 |
| Total capital | 5,738,000 | 5,829,000 | 5,963,000 | 5,978,000 |
| Risk-weighted assets | 51,373,000 | 53,018,000 | 54,326,000 | 53,227,000 |
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