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 | 118,216,000 | 114,061,000 | 106,940,000 | 125,138,000 |
| Total loans | 56,033,000 | 59,865,000 | 65,711,000 | 61,173,000 |
| Allowance for loan losses | 853,000 | 865,000 | 879,000 | 940,000 |
| Securities available for sale | 31,718,000 | 34,697,000 | 30,340,000 | 29,266,000 |
| Securities held to maturity | 590,000 | 587,000 | 584,000 | 581,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,771,000 | 98,903,000 | 91,092,000 | 109,276,000 |
| Interest-bearing deposits | 83,157,000 | 80,726,000 | 74,225,000 | 84,466,000 |
| Noninterest-bearing deposits | 20,614,000 | 18,177,000 | 16,867,000 | 24,810,000 |
| Equity capital | 13,869,000 | 14,424,000 | 14,944,000 | 15,235,000 |
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 | 1,274,000 | 2,604,000 | 3,994,000 | 5,315,000 |
| Interest expense | 149,000 | 280,000 | 401,000 | 515,000 |
| Net interest income | 1,125,000 | 2,324,000 | 3,593,000 | 4,800,000 |
| Noninterest income | 66,000 | 148,000 | 212,000 | 327,000 |
| Noninterest expense | 816,000 | 1,636,000 | 2,472,000 | 3,278,000 |
| Provision for loan losses | 0 | 0 | 0 | 49,000 |
| Pretax income | 375,000 | 836,000 | 1,333,000 | 1,800,000 |
| Income tax | 79,000 | 200,000 | 331,000 | 438,000 |
| Net income | 296,000 | 636,000 | 1,002,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,383,000 | 13,723,000 | 14,086,000 | 14,447,000 |
| Total capital | 14,217,000 | 14,588,000 | 14,965,000 | 15,359,000 |
| Risk-weighted assets | 66,679,000 | 71,714,000 | 77,333,000 | 72,935,000 |