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 | 307,420,000 | 305,076,000 | 307,447,000 | 316,782,000 |
| Total loans | 195,605,000 | 195,859,000 | 196,157,000 | 200,741,000 |
| Allowance for loan losses | 1,842,000 | 1,914,000 | 1,962,000 | 1,907,000 |
| Securities available for sale | 76,800,000 | 85,755,000 | 84,181,000 | 92,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,272,000 | 254,633,000 | 257,391,000 | 266,036,000 |
| Interest-bearing deposits | 224,564,000 | 222,036,000 | 226,708,000 | 226,508,000 |
| Noninterest-bearing deposits | 30,708,000 | 32,597,000 | 30,683,000 | 39,527,000 |
| Equity capital | 35,894,000 | 37,097,000 | 38,974,000 | 39,980,000 |
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 | 3,715,000 | 7,459,000 | 11,225,000 | 14,988,000 |
| Interest expense | 1,094,000 | 2,188,000 | 3,208,000 | 4,199,000 |
| Net interest income | 2,621,000 | 5,271,000 | 8,017,000 | 10,789,000 |
| Noninterest income | 429,000 | 942,000 | 1,420,000 | 1,898,000 |
| Noninterest expense | 1,554,000 | 3,208,000 | 4,718,000 | 6,372,000 |
| Provision for loan losses | 0 | 70,000 | 105,000 | 200,000 |
| Pretax income | 1,682,000 | 3,121,000 | 4,800,000 | 6,301,000 |
| Income tax | 92,000 | 152,000 | 244,000 | 303,000 |
| Net income | 1,590,000 | 2,969,000 | 4,556,000 | 5,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,393,000 | 27,010,000 | 27,511,000 | 27,945,000 |
| Total capital | 29,235,000 | 28,924,000 | 29,473,000 | 29,852,000 |
| Risk-weighted assets | 227,659,000 | 228,331,000 | 229,509,000 | 236,228,000 |
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