Call reports 2011
CITIZENS STATE BANK OF LOYAL — 2011
What CITIZENS STATE BANK OF LOYAL 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 | 147,012,000 | 145,690,000 | 151,919,000 | 151,942,000 |
| Total loans | 104,808,000 | 100,556,000 | 99,024,000 | 98,437,000 |
| Allowance for loan losses | 2,024,000 | 1,104,000 | 1,159,000 | 1,178,000 |
| Securities available for sale | 30,976,000 | 29,580,000 | 32,111,000 | 39,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,318,000 | 107,667,000 | 116,600,000 | 116,500,000 |
| Interest-bearing deposits | 95,018,000 | 93,654,000 | 100,977,000 | 100,014,000 |
| Noninterest-bearing deposits | 13,300,000 | 14,013,000 | 15,623,000 | 16,486,000 |
| Equity capital | 14,830,000 | 14,926,000 | 15,480,000 | 15,804,000 |
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 | 1,654,000 | 3,300,000 | 4,937,000 | 6,534,000 |
| Interest expense | 505,000 | 997,000 | 1,465,000 | 1,913,000 |
| Net interest income | 1,149,000 | 2,303,000 | 3,472,000 | 4,621,000 |
| Noninterest income | 370,000 | 585,000 | 716,000 | 1,002,000 |
| Noninterest expense | 1,078,000 | 2,139,000 | 3,103,000 | 4,154,000 |
| Provision for loan losses | 12,000 | 325,000 | 393,000 | 450,000 |
| Pretax income | 429,000 | 424,000 | 692,000 | 1,019,000 |
| Income tax | 103,000 | 0 | -40,000 | -124,000 |
| Net income | 326,000 | 424,000 | 732,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,553,000 | 14,451,000 | 14,759,000 | 14,971,000 |
| Total capital | 15,912,000 | 15,555,000 | 15,918,000 | 16,149,000 |
| Risk-weighted assets | 108,026,000 | 109,042,000 | 110,142,000 | 102,473,000 |