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 | 91,816,000 | 91,668,000 | 92,273,000 | 92,694,000 |
| Total loans | 57,232,000 | 51,473,000 | 52,176,000 | 53,909,000 |
| Allowance for loan losses | 864,000 | 599,000 | 728,000 | 784,000 |
| Securities available for sale | 20,474,000 | 25,653,000 | 24,578,000 | 27,321,000 |
| Securities held to maturity | 120,000 | 1,303,000 | 2,301,000 | 2,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,809,000 | 75,115,000 | 75,031,000 | 73,422,000 |
| Interest-bearing deposits | 70,543,000 | 70,028,000 | 70,033,000 | 67,977,000 |
| Noninterest-bearing deposits | 5,266,000 | 5,087,000 | 4,998,000 | 5,445,000 |
| Equity capital | 8,677,000 | 9,330,000 | 9,989,000 | 10,089,000 |
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 | 1,069,000 | 2,408,000 | 3,495,000 | 4,773,000 |
| Interest expense | 426,000 | 837,000 | 1,243,000 | 1,636,000 |
| Net interest income | 643,000 | 1,571,000 | 2,252,000 | 3,137,000 |
| Noninterest income | -65,000 | -18,000 | 38,000 | 95,000 |
| Noninterest expense | 939,000 | 1,373,000 | 1,852,000 | 2,272,000 |
| Provision for loan losses | 0 | 340,000 | 475,000 | 746,000 |
| Pretax income | -350,000 | -78,000 | 80,000 | 331,000 |
| Income tax | 9,000 | 14,000 | 18,000 | 18,000 |
| Net income | -359,000 | -92,000 | 62,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,267,000 | 9,537,000 | 9,691,000 | 9,885,000 |
| Total capital | 10,011,000 | 10,136,000 | 10,366,000 | 10,575,000 |
| Risk-weighted assets | 59,290,000 | 53,563,000 | 53,954,000 | 55,117,000 |
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