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 | 35,736,000 | 35,013,000 | 35,076,000 | 35,114,000 |
| Total loans | 18,217,000 | 18,363,000 | 16,738,000 | 16,216,000 |
| Allowance for loan losses | 378,000 | 371,000 | 417,000 | 278,000 |
| Securities available for sale | 7,052,000 | 7,229,000 | 6,441,000 | 5,874,000 |
| Securities held to maturity | 1,892,000 | 2,305,000 | 2,421,000 | 2,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,393,000 | 30,501,000 | 30,272,000 | 30,337,000 |
| Interest-bearing deposits | 25,622,000 | 24,772,000 | 24,787,000 | 24,659,000 |
| Noninterest-bearing deposits | 5,771,000 | 5,729,000 | 5,485,000 | 5,678,000 |
| Equity capital | 4,216,000 | 4,425,000 | 4,642,000 | 4,635,000 |
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 | 502,000 | 1,008,000 | 1,512,000 | 1,949,000 |
| Interest expense | 60,000 | 119,000 | 178,000 | 228,000 |
| Net interest income | 442,000 | 889,000 | 1,334,000 | 1,721,000 |
| Noninterest income | 40,000 | 83,000 | 121,000 | 161,000 |
| Noninterest expense | 242,000 | 494,000 | 726,000 | 977,000 |
| Provision for loan losses | 45,000 | 95,000 | 155,000 | 230,000 |
| Pretax income | 195,000 | 383,000 | 574,000 | 675,000 |
| Income tax | 52,000 | 107,000 | 161,000 | 215,000 |
| Net income | 143,000 | 276,000 | 413,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,274,000 | 4,392,000 | 4,514,000 | 4,546,000 |
| Total capital | 4,504,000 | 4,621,000 | 4,723,000 | 4,749,000 |
| Risk-weighted assets | 18,215,000 | 18,181,000 | 16,824,000 | 16,446,000 |