Call reports 2011
CITIZENS STATE BANK, THE — 2011
What CITIZENS STATE BANK, THE 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 | 281,597,000 | 282,598,000 | 281,728,000 | 290,824,000 |
| Total loans | 210,198,000 | 217,501,000 | 213,870,000 | 222,752,000 |
| Allowance for loan losses | 3,705,000 | 3,644,000 | 3,775,000 | 3,548,000 |
| Securities available for sale | 51,644,000 | 49,647,000 | 51,320,000 | 48,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,788,000 | 205,104,000 | 203,997,000 | 213,349,000 |
| Interest-bearing deposits | 185,531,000 | 182,419,000 | 180,412,000 | 181,694,000 |
| Noninterest-bearing deposits | 21,257,000 | 22,685,000 | 23,585,000 | 31,655,000 |
| Equity capital | 28,177,000 | 29,200,000 | 30,426,000 | 31,313,000 |
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 | 3,496,000 | 6,963,000 | 10,507,000 | 13,998,000 |
| Interest expense | 1,106,000 | 2,165,000 | 3,192,000 | 4,148,000 |
| Net interest income | 2,390,000 | 4,798,000 | 7,315,000 | 9,850,000 |
| Noninterest income | 123,000 | 37,000 | -403,000 | -331,000 |
| Noninterest expense | 1,038,000 | 2,103,000 | 2,997,000 | 4,026,000 |
| Provision for loan losses | 300,000 | 650,000 | 690,000 | 740,000 |
| Pretax income | 1,175,000 | 2,082,000 | 3,225,000 | 4,753,000 |
| Income tax | 0 | 11,000 | 44,000 | 83,000 |
| Net income | 1,175,000 | 2,071,000 | 3,181,000 | 4,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,595,000 | 25,986,000 | 26,667,000 | 27,745,000 |
| Total capital | 28,340,000 | 28,778,000 | 29,400,000 | 30,573,000 |
| Risk-weighted assets | 218,601,000 | 222,193,000 | 217,623,000 | 225,539,000 |
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