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 | 53,034,000 | 53,253,000 | 54,089,000 | 51,505,000 |
| Total loans | 18,130,000 | 17,674,000 | 17,803,000 | 17,281,000 |
| Allowance for loan losses | 446,000 | 426,000 | 431,000 | 543,000 |
| Securities available for sale | 22,706,000 | 23,720,000 | 22,903,000 | 24,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,402,000 | 44,882,000 | 45,707,000 | 43,473,000 |
| Interest-bearing deposits | 36,635,000 | 36,254,000 | 36,661,000 | 35,427,000 |
| Noninterest-bearing deposits | 7,767,000 | 8,628,000 | 9,046,000 | 8,046,000 |
| Equity capital | 8,501,000 | 8,180,000 | 8,181,000 | 7,938,000 |
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 | 475,000 | 963,000 | 1,432,000 | 1,882,000 |
| Interest expense | 56,000 | 98,000 | 131,000 | 161,000 |
| Net interest income | 419,000 | 865,000 | 1,301,000 | 1,721,000 |
| Noninterest income | 35,000 | 74,000 | 78,000 | 119,000 |
| Noninterest expense | 462,000 | 903,000 | 1,360,000 | 1,763,000 |
| Provision for loan losses | 15,000 | 2,000 | 6,000 | 316,000 |
| Pretax income | -23,000 | 34,000 | 13,000 | -239,000 |
| Income tax | 0 | 0 | 0 | -37,000 |
| Net income | -23,000 | 34,000 | 13,000 | -202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,205,000 | 7,810,000 | 7,789,000 | 7,574,000 |
| Total capital | 8,499,000 | 8,099,000 | 8,075,000 | 7,851,000 |
| Risk-weighted assets | 23,376,000 | 23,022,000 | 22,735,000 | 21,864,000 |
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