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 | 101,168,000 | 100,801,000 | 104,711,000 | 105,704,000 |
| Total loans | 58,235,000 | 58,030,000 | 58,396,000 | 58,220,000 |
| Allowance for loan losses | 674,000 | 651,000 | 651,000 | 687,000 |
| Securities available for sale | 30,470,000 | 31,778,000 | 29,679,000 | 32,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,789,000 | 89,360,000 | 92,784,000 | 93,646,000 |
| Interest-bearing deposits | 72,892,000 | 72,033,000 | 73,979,000 | 74,266,000 |
| Noninterest-bearing deposits | 16,897,000 | 17,327,000 | 18,805,000 | 19,380,000 |
| Equity capital | 11,064,000 | 11,002,000 | 11,363,000 | 11,278,000 |
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 | 1,408,000 | 2,801,000 | 4,242,000 | 5,634,000 |
| Interest expense | 249,000 | 490,000 | 724,000 | 950,000 |
| Net interest income | 1,159,000 | 2,311,000 | 3,518,000 | 4,684,000 |
| Noninterest income | 196,000 | 383,000 | 574,000 | 768,000 |
| Noninterest expense | 751,000 | 1,566,000 | 2,334,000 | 3,071,000 |
| Provision for loan losses | 38,000 | 75,000 | 115,000 | 180,000 |
| Pretax income | 566,000 | 1,059,000 | 1,649,000 | 2,207,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 566,000 | 1,059,000 | 1,649,000 | 2,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,631,000 | 10,259,000 | 10,424,000 | 10,506,000 |
| Total capital | 11,305,000 | 10,910,000 | 11,075,000 | 11,193,000 |
| Risk-weighted assets | 60,758,000 | 60,425,000 | 61,376,000 | 61,695,000 |