Call reports 2011
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2011
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 58,673,000 | 59,061,000 | 60,134,000 | 64,778,000 |
| Total loans | 39,915,000 | 40,513,000 | 38,788,000 | 39,222,000 |
| Allowance for loan losses | 652,000 | 632,000 | 652,000 | 594,000 |
| Securities available for sale | 4,027,000 | 4,018,000 | 4,950,000 | 5,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,767,000 | 48,947,000 | 50,323,000 | 55,331,000 |
| Interest-bearing deposits | 32,814,000 | 33,044,000 | 34,836,000 | 36,910,000 |
| Noninterest-bearing deposits | 15,953,000 | 15,903,000 | 15,487,000 | 18,421,000 |
| Equity capital | 5,207,000 | 5,294,000 | 5,474,000 | 5,592,000 |
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 | 723,000 | 1,427,000 | 2,106,000 | 2,783,000 |
| Interest expense | 104,000 | 199,000 | 294,000 | 377,000 |
| Net interest income | 619,000 | 1,228,000 | 1,812,000 | 2,406,000 |
| Noninterest income | 142,000 | 287,000 | 406,000 | 514,000 |
| Noninterest expense | 501,000 | 989,000 | 1,423,000 | 1,885,000 |
| Provision for loan losses | 45,000 | 45,000 | 65,000 | 125,000 |
| Pretax income | 215,000 | 481,000 | 730,000 | 910,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 214,000 | 480,000 | 729,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,109,000 | 5,168,000 | 5,323,000 | 5,428,000 |
| Total capital | 5,602,000 | 5,670,000 | 5,805,000 | 5,909,000 |
| Risk-weighted assets | 39,263,000 | 40,010,000 | 38,384,000 | 38,347,000 |
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