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 | 74,149,000 | 73,811,000 | 74,301,000 | 76,004,000 |
| Total loans | 19,299,000 | 19,623,000 | 17,627,000 | 17,209,000 |
| Allowance for loan losses | 969,000 | 980,000 | 956,000 | 795,000 |
| Securities available for sale | 42,687,000 | 46,975,000 | 45,923,000 | 47,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,001,000 | 65,779,000 | 65,752,000 | 68,098,000 |
| Interest-bearing deposits | 57,922,000 | 56,810,000 | 57,009,000 | 58,178,000 |
| Noninterest-bearing deposits | 9,079,000 | 8,969,000 | 8,743,000 | 9,920,000 |
| Equity capital | 6,352,000 | 7,199,000 | 7,689,000 | 7,181,000 |
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 | 739,000 | 1,495,000 | 2,249,000 | 2,943,000 |
| Interest expense | 183,000 | 356,000 | 521,000 | 681,000 |
| Net interest income | 556,000 | 1,139,000 | 1,728,000 | 2,262,000 |
| Noninterest income | 164,000 | 616,000 | 760,000 | 872,000 |
| Noninterest expense | 656,000 | 1,350,000 | 2,010,000 | 2,719,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 201,000 | 547,000 | 663,000 | 612,000 |
| Income tax | 0 | 0 | 0 | 177,000 |
| Net income | 201,000 | 547,000 | 663,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,496,000 | 6,132,000 | 6,314,000 | 6,039,000 |
| Total capital | 5,925,000 | 6,551,000 | 6,716,000 | 6,453,000 |
| Risk-weighted assets | 33,798,000 | 32,968,000 | 32,130,000 | 32,742,000 |