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 | 74,914,000 | 74,957,000 | 76,936,000 | 78,351,000 |
| Total loans | 32,461,000 | 32,356,000 | 32,030,000 | 31,391,000 |
| Allowance for loan losses | 367,000 | 373,000 | 379,000 | 448,000 |
| Securities available for sale | 35,400,000 | 37,566,000 | 39,077,000 | 41,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,562,000 | 62,079,000 | 63,977,000 | 63,527,000 |
| Interest-bearing deposits | 55,874,000 | 55,227,000 | 57,012,000 | 56,930,000 |
| Noninterest-bearing deposits | 7,688,000 | 6,852,000 | 6,965,000 | 6,597,000 |
| Equity capital | 8,432,000 | 8,888,000 | 9,661,000 | 8,626,000 |
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 | 997,000 | 2,035,000 | 3,072,000 | 4,097,000 |
| Interest expense | 166,000 | 324,000 | 492,000 | 659,000 |
| Net interest income | 831,000 | 1,711,000 | 2,580,000 | 3,438,000 |
| Noninterest income | 194,000 | 312,000 | 483,000 | 586,000 |
| Noninterest expense | 634,000 | 1,326,000 | 1,969,000 | 2,788,000 |
| Provision for loan losses | 23,000 | 53,000 | 75,000 | 152,000 |
| Pretax income | 414,000 | 714,000 | 1,173,000 | 1,265,000 |
| Income tax | 73,000 | 128,000 | 237,000 | 237,000 |
| Net income | 341,000 | 586,000 | 936,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,071,000 | 8,316,000 | 8,666,000 | 7,789,000 |
| Total capital | 8,438,000 | 8,689,000 | 9,045,000 | 8,211,000 |
| Risk-weighted assets | 33,229,000 | 33,337,000 | 33,468,000 | 33,730,000 |