Call reports 2011
CITIZENS STATE BANK AND TRUST COMPANY — 2011
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 76,915,000 | 74,281,000 | 74,149,000 | 77,903,000 |
| Total loans | 36,344,000 | 37,794,000 | 36,156,000 | 36,360,000 |
| Allowance for loan losses | 362,000 | 356,000 | 356,000 | 357,000 |
| Securities available for sale | 18,785,000 | 22,225,000 | 22,955,000 | 20,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,225,000 | 58,660,000 | 57,366,000 | 60,250,000 |
| Interest-bearing deposits | 47,655,000 | 45,938,000 | 43,341,000 | 45,002,000 |
| Noninterest-bearing deposits | 13,570,000 | 12,722,000 | 14,025,000 | 15,248,000 |
| Equity capital | 11,412,000 | 11,549,000 | 11,613,000 | 11,675,000 |
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 | 680,000 | 1,332,000 | 2,022,000 | 2,616,000 |
| Interest expense | 109,000 | 217,000 | 320,000 | 407,000 |
| Net interest income | 571,000 | 1,115,000 | 1,702,000 | 2,209,000 |
| Noninterest income | 149,000 | 268,000 | 410,000 | 599,000 |
| Noninterest expense | 578,000 | 1,116,000 | 1,717,000 | 2,273,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 142,000 | 267,000 | 395,000 | 535,000 |
| Income tax | -14,000 | -14,000 | 0 | 0 |
| Net income | 156,000 | 281,000 | 395,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,396,000 | 11,422,000 | 11,435,000 | 11,526,000 |
| Total capital | 11,758,000 | 11,778,000 | 11,791,000 | 11,883,000 |
| Risk-weighted assets | 44,835,000 | 47,431,000 | 47,737,000 | 46,402,000 |