Call reports 2011
CITIZENS FIRST STATE BANK OF WALNUT — 2011
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 59,219,000 | 61,448,000 | 58,135,000 | 58,643,000 |
| Total loans | 37,336,000 | 34,963,000 | 32,279,000 | 30,740,000 |
| Allowance for loan losses | 1,182,000 | 1,198,000 | 1,009,000 | 1,034,000 |
| Securities available for sale | 15,679,000 | 17,198,000 | 16,143,000 | 15,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,053,000 | 54,101,000 | 51,598,000 | 52,928,000 |
| Interest-bearing deposits | 44,376,000 | 45,961,000 | 44,461,000 | 45,014,000 |
| Noninterest-bearing deposits | 6,677,000 | 8,140,000 | 7,137,000 | 7,914,000 |
| Equity capital | 4,302,000 | 4,459,000 | 4,453,000 | 4,100,000 |
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 | 603,000 | 1,199,000 | 1,780,000 | 2,318,000 |
| Interest expense | 178,000 | 348,000 | 496,000 | 627,000 |
| Net interest income | 425,000 | 851,000 | 1,284,000 | 1,691,000 |
| Noninterest income | 47,000 | 97,000 | 145,000 | 182,000 |
| Noninterest expense | 486,000 | 945,000 | 1,379,000 | 1,947,000 |
| Provision for loan losses | 662,000 | 684,000 | 792,000 | 978,000 |
| Pretax income | -676,000 | -681,000 | -742,000 | -1,052,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -676,000 | -681,000 | -742,000 | -1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,868,000 | 3,869,000 | 3,804,000 | 3,522,000 |
| Total capital | 4,293,000 | 4,272,000 | 4,216,000 | 3,913,000 |
| Risk-weighted assets | 33,321,000 | 31,488,000 | 32,023,000 | 30,621,000 |