Call reports 2011
CITIZENS STATE BANK OF FINLEY, THE — 2011
What CITIZENS STATE BANK OF FINLEY, THE 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 | 115,022,000 | 117,074,000 | 116,412,000 | 120,822,000 |
| Total loans | 71,403,000 | 78,164,000 | 76,691,000 | 71,950,000 |
| Allowance for loan losses | 509,000 | 551,000 | 1,363,000 | 1,399,000 |
| Securities available for sale | 11,625,000 | 12,357,000 | 12,207,000 | 12,314,000 |
| Securities held to maturity | 11,460,000 | 13,034,000 | 14,800,000 | 17,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,475,000 | 80,073,000 | 80,001,000 | 85,966,000 |
| Interest-bearing deposits | 70,490,000 | 64,769,000 | 65,836,000 | 66,903,000 |
| Noninterest-bearing deposits | 15,985,000 | 15,304,000 | 14,165,000 | 19,063,000 |
| Equity capital | 10,231,000 | 9,988,000 | 9,548,000 | 9,848,000 |
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 | 1,277,000 | 2,590,000 | 3,939,000 | 5,171,000 |
| Interest expense | 236,000 | 431,000 | 621,000 | 781,000 |
| Net interest income | 1,041,000 | 2,159,000 | 3,318,000 | 4,390,000 |
| Noninterest income | 172,000 | 376,000 | 756,000 | 1,079,000 |
| Noninterest expense | 1,016,000 | 2,062,000 | 3,152,000 | 4,206,000 |
| Provision for loan losses | 100,000 | 590,000 | 1,440,000 | 1,440,000 |
| Pretax income | 97,000 | -117,000 | -518,000 | -153,000 |
| Income tax | 0 | 0 | 0 | 9,000 |
| Net income | 97,000 | -117,000 | -518,000 | -162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,851,000 | 9,506,000 | 8,987,000 | 9,257,000 |
| Total capital | 10,360,000 | 10,057,000 | 10,044,000 | 10,276,000 |
| Risk-weighted assets | 78,091,000 | 81,614,000 | 84,240,000 | 81,179,000 |