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 | 382,746,000 | 371,610,000 | 366,132,000 | 384,491,000 |
| Total loans | 196,281,000 | 198,567,000 | 204,482,000 | 204,991,000 |
| Allowance for loan losses | 2,614,000 | 2,675,000 | 3,025,000 | 2,887,000 |
| Securities available for sale | 117,498,000 | 125,720,000 | 115,295,000 | 111,365,000 |
| Securities held to maturity | 5,297,000 | 5,289,000 | 5,293,000 | 5,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,935,000 | 338,945,000 | 331,609,000 | 350,434,000 |
| Interest-bearing deposits | 327,073,000 | 317,278,000 | 310,195,000 | 326,338,000 |
| Noninterest-bearing deposits | 23,862,000 | 21,667,000 | 21,414,000 | 24,096,000 |
| Equity capital | 29,076,000 | 29,943,000 | 31,244,000 | 31,815,000 |
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 | 4,040,000 | 8,152,000 | 12,417,000 | 16,690,000 |
| Interest expense | 878,000 | 1,671,000 | 2,333,000 | 2,937,000 |
| Net interest income | 3,162,000 | 6,481,000 | 10,084,000 | 13,753,000 |
| Noninterest income | 894,000 | 2,004,000 | 2,980,000 | 3,766,000 |
| Noninterest expense | 2,765,000 | 5,743,000 | 8,663,000 | 11,393,000 |
| Provision for loan losses | 262,000 | 589,000 | 991,000 | 1,018,000 |
| Pretax income | 1,029,000 | 2,153,000 | 3,410,000 | 5,108,000 |
| Income tax | 289,000 | 624,000 | 983,000 | 1,482,000 |
| Net income | 740,000 | 1,529,000 | 2,427,000 | 3,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,179,000 | 28,967,000 | 29,866,000 | 30,635,000 |
| Total capital | 30,793,000 | 31,642,000 | 32,726,000 | 33,522,000 |
| Risk-weighted assets | 218,613,000 | 223,308,000 | 228,660,000 | 235,366,000 |