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 | 33,565,000 | 33,479,000 | 33,172,000 | 35,998,000 |
| Total loans | 11,936,000 | 16,467,000 | 15,868,000 | 11,169,000 |
| Allowance for loan losses | 119,000 | 119,000 | 175,000 | 176,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,965,000 | 8,283,000 | 7,996,000 | 8,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,972,000 | 30,875,000 | 30,497,000 | 33,360,000 |
| Interest-bearing deposits | 26,356,000 | 26,333,000 | 25,894,000 | 27,098,000 |
| Noninterest-bearing deposits | 4,616,000 | 4,543,000 | 4,602,000 | 6,262,000 |
| Equity capital | 2,420,000 | 2,400,000 | 2,451,000 | 2,446,000 |
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 | 241,000 | 533,000 | 869,000 | 1,163,000 |
| Interest expense | 94,000 | 186,000 | 273,000 | 360,000 |
| Net interest income | 147,000 | 347,000 | 596,000 | 803,000 |
| Noninterest income | 35,000 | 71,000 | 107,000 | 138,000 |
| Noninterest expense | 225,000 | 436,000 | 643,000 | 886,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -43,000 | -18,000 | 60,000 | 55,000 |
| Income tax | -25,000 | -30,000 | -19,000 | -19,000 |
| Net income | -18,000 | 12,000 | 79,000 | 74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,420,000 | 2,400,000 | 2,451,000 | 2,446,000 |
| Total capital | 2,539,000 | 2,519,000 | 2,626,000 | 2,622,000 |
| Risk-weighted assets | 21,719,000 | 21,162,000 | 19,200,000 | 16,944,000 |