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 | 38,037,000 | 38,856,000 | 40,414,000 | 44,132,000 |
| Total loans | 9,587,000 | 9,063,000 | 8,825,000 | 8,449,000 |
| Allowance for loan losses | 266,000 | 234,000 | 238,000 | 242,000 |
| Securities available for sale | 21,179,000 | 20,999,000 | 23,252,000 | 25,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,567,000 | 29,057,000 | 30,554,000 | 34,435,000 |
| Interest-bearing deposits | 21,263,000 | 21,535,000 | 23,120,000 | 26,901,000 |
| Noninterest-bearing deposits | 7,304,000 | 7,522,000 | 7,434,000 | 7,534,000 |
| Equity capital | 9,428,000 | 9,735,000 | 9,801,000 | 9,658,000 |
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 | 262,000 | 545,000 | 791,000 | 1,070,000 |
| Interest expense | 60,000 | 117,000 | 177,000 | 233,000 |
| Net interest income | 202,000 | 428,000 | 614,000 | 837,000 |
| Noninterest income | 62,000 | 138,000 | 207,000 | 271,000 |
| Noninterest expense | 250,000 | 512,000 | 770,000 | 1,035,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 44,000 | 177,000 | 183,000 | 215,000 |
| Income tax | 8,000 | 36,000 | 41,000 | 60,000 |
| Net income | 36,000 | 141,000 | 142,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,426,000 | 5,505,000 | 5,457,000 | 5,390,000 |
| Total capital | 5,595,000 | 5,670,000 | 5,626,000 | 5,565,000 |
| Risk-weighted assets | 13,507,000 | 13,149,000 | 13,464,000 | 13,938,000 |