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 | 259,301,000 | 262,185,000 | 258,410,000 | 266,021,000 |
| Total loans | 163,411,000 | 159,593,000 | 156,360,000 | 156,144,000 |
| Allowance for loan losses | 1,659,000 | 2,095,000 | 2,113,000 | 2,139,000 |
| Securities available for sale | 34,027,000 | 44,083,000 | 78,024,000 | 92,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,541,000 | 221,172,000 | 216,074,000 | 210,464,000 |
| Interest-bearing deposits | 171,448,000 | 170,876,000 | 167,106,000 | 162,919,000 |
| Noninterest-bearing deposits | 48,094,000 | 50,296,000 | 48,968,000 | 47,545,000 |
| Equity capital | 23,181,000 | 24,835,000 | 26,355,000 | 27,005,000 |
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 | 2,913,000 | 5,856,000 | 8,826,000 | 11,729,000 |
| Interest expense | 658,000 | 1,267,000 | 1,807,000 | 2,317,000 |
| Net interest income | 2,255,000 | 4,589,000 | 7,019,000 | 9,412,000 |
| Noninterest income | 505,000 | 1,250,000 | 1,744,000 | 2,253,000 |
| Noninterest expense | 1,720,000 | 3,507,000 | 5,251,000 | 7,531,000 |
| Provision for loan losses | 0 | 200,000 | 200,000 | 200,000 |
| Pretax income | 1,040,000 | 2,147,000 | 3,322,000 | 3,943,000 |
| Income tax | 221,000 | 460,000 | 750,000 | 879,000 |
| Net income | 819,000 | 1,687,000 | 2,572,000 | 3,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,422,000 | 25,235,000 | 26,119,000 | 26,612,000 |
| Total capital | 26,081,000 | 27,290,000 | 28,192,000 | 28,712,000 |
| Risk-weighted assets | 168,545,000 | 163,855,000 | 165,321,000 | 167,581,000 |
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