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 | 104,085,000 | 100,213,000 | 101,652,000 | 101,380,000 |
| Total loans | 73,029,000 | 71,647,000 | 71,577,000 | 72,225,000 |
| Allowance for loan losses | 1,649,000 | 1,275,000 | 1,015,000 | 900,000 |
| Securities available for sale | 12,429,000 | 12,468,000 | 12,221,000 | 11,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,101,000 | 89,539,000 | 91,272,000 | 91,078,000 |
| Interest-bearing deposits | 78,400,000 | 74,885,000 | 75,061,000 | 75,908,000 |
| Noninterest-bearing deposits | 15,700,000 | 14,654,000 | 16,210,000 | 15,170,000 |
| Equity capital | 9,690,000 | 10,280,000 | 10,011,000 | 10,123,000 |
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 | 1,448,000 | 2,921,000 | 4,339,000 | 5,778,000 |
| Interest expense | 295,000 | 564,000 | 818,000 | 1,065,000 |
| Net interest income | 1,153,000 | 2,357,000 | 3,521,000 | 4,713,000 |
| Noninterest income | 89,000 | 136,000 | -167,000 | 5,000 |
| Noninterest expense | 918,000 | 1,835,000 | 2,961,000 | 4,085,000 |
| Provision for loan losses | 0 | 0 | 0 | 80,000 |
| Pretax income | 324,000 | 658,000 | 393,000 | 553,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 324,000 | 658,000 | 393,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,858,000 | 10,192,000 | 9,642,000 | 9,805,000 |
| Total capital | 10,764,000 | 11,131,000 | 10,584,000 | 10,705,000 |
| Risk-weighted assets | 72,871,000 | 74,339,000 | 74,598,000 | 74,823,000 |