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 | 86,712,000 | 88,189,000 | 87,296,000 | 91,292,000 |
| Total loans | 37,473,000 | 39,991,000 | 41,069,000 | 40,161,000 |
| Allowance for loan losses | 823,000 | 824,000 | 821,000 | 806,000 |
| Securities available for sale | 43,087,000 | 42,336,000 | 41,428,000 | 43,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,799,000 | 67,201,000 | 65,413,000 | 69,871,000 |
| Interest-bearing deposits | 58,528,000 | 58,907,000 | 57,898,000 | 60,398,000 |
| Noninterest-bearing deposits | 8,271,000 | 8,294,000 | 7,515,000 | 9,473,000 |
| Equity capital | 18,173,000 | 19,311,000 | 20,172,000 | 19,851,000 |
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 | 1,025,000 | 2,104,000 | 3,189,000 | 4,236,000 |
| Interest expense | 222,000 | 440,000 | 649,000 | 852,000 |
| Net interest income | 803,000 | 1,664,000 | 2,540,000 | 3,384,000 |
| Noninterest income | 81,000 | 155,000 | 220,000 | 288,000 |
| Noninterest expense | 464,000 | 925,000 | 1,400,000 | 1,964,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 459,000 | 946,000 | 1,412,000 | 1,766,000 |
| Income tax | 23,000 | 47,000 | 71,000 | 79,000 |
| Net income | 436,000 | 899,000 | 1,341,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,047,000 | 17,413,000 | 17,760,000 | 17,517,000 |
| Total capital | 17,268,000 | 18,055,000 | 18,404,000 | 18,160,000 |
| Risk-weighted assets | 47,573,000 | 50,558,000 | 51,350,000 | 51,295,000 |