Call reports 2011
CITIZENS BANK OF ELDON — 2011
What CITIZENS BANK OF ELDON 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 | 114,758,000 | 116,516,000 | 116,003,000 | 117,061,000 |
| Total loans | 58,792,000 | 58,586,000 | 59,196,000 | 60,402,000 |
| Allowance for loan losses | 736,000 | 695,000 | 662,000 | 644,000 |
| Securities available for sale | 45,038,000 | 46,953,000 | 46,154,000 | 46,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,228,000 | 97,745,000 | 97,353,000 | 98,291,000 |
| Interest-bearing deposits | 81,173,000 | 81,305,000 | 79,900,000 | 78,692,000 |
| Noninterest-bearing deposits | 15,055,000 | 16,440,000 | 17,453,000 | 19,599,000 |
| Equity capital | 17,209,000 | 17,413,000 | 17,260,000 | 17,475,000 |
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 | 1,056,000 | 2,099,000 | 3,145,000 | 4,180,000 |
| Interest expense | 173,000 | 328,000 | 464,000 | 585,000 |
| Net interest income | 883,000 | 1,771,000 | 2,681,000 | 3,595,000 |
| Noninterest income | 208,000 | 402,000 | 646,000 | 898,000 |
| Noninterest expense | 838,000 | 1,629,000 | 2,455,000 | 3,191,000 |
| Provision for loan losses | 1,000 | 6,000 | 38,000 | 48,000 |
| Pretax income | 252,000 | 538,000 | 834,000 | 1,254,000 |
| Income tax | 70,000 | 156,000 | 220,000 | 344,000 |
| Net income | 182,000 | 382,000 | 614,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,078,000 | 17,220,000 | 17,059,000 | 17,297,000 |
| Total capital | 17,814,000 | 17,915,000 | 17,721,000 | 17,941,000 |
| Risk-weighted assets | 61,486,000 | 61,840,000 | 62,287,000 | 63,727,000 |