Call reports 2011
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2011
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 43,282,000 | 42,583,000 | 41,522,000 | 40,936,000 |
| Total loans | 22,585,000 | 22,220,000 | 21,824,000 | 21,912,000 |
| Allowance for loan losses | 426,000 | 591,000 | 538,000 | 581,000 |
| Securities available for sale | 2,714,000 | 10,703,000 | 8,601,000 | 10,569,000 |
| Securities held to maturity | 8,614,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,730,000 | 36,811,000 | 35,577,000 | 35,189,000 |
| Interest-bearing deposits | 31,586,000 | 30,538,000 | 29,093,000 | 28,438,000 |
| Noninterest-bearing deposits | 6,144,000 | 6,274,000 | 6,484,000 | 6,751,000 |
| Equity capital | 5,224,000 | 5,395,000 | 5,595,000 | 5,560,000 |
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 | 564,000 | 1,131,000 | 1,671,000 | 2,204,000 |
| Interest expense | 117,000 | 223,000 | 324,000 | 410,000 |
| Net interest income | 447,000 | 908,000 | 1,347,000 | 1,794,000 |
| Noninterest income | 64,000 | 64,000 | 201,000 | 110,000 |
| Noninterest expense | 487,000 | 807,000 | 1,268,000 | 1,589,000 |
| Provision for loan losses | 20,000 | 205,000 | 265,000 | 362,000 |
| Pretax income | 2,000 | -27,000 | 93,000 | 27,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 2,000 | -27,000 | 92,000 | 26,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,259,000 | 5,230,000 | 5,350,000 | 5,283,000 |
| Total capital | 5,593,000 | 5,551,000 | 5,657,000 | 5,594,000 |
| Risk-weighted assets | 26,651,000 | 25,398,000 | 24,360,000 | 24,634,000 |