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 | 116,665,000 | 120,023,000 | 122,850,000 | 129,122,000 |
| Total loans | 71,197,000 | 68,642,000 | 78,645,000 | 84,042,000 |
| Allowance for loan losses | 920,000 | 848,000 | 883,000 | 969,000 |
| Securities available for sale | 33,723,000 | 36,536,000 | 33,403,000 | 34,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,397,000 | 103,279,000 | 109,099,000 | 110,528,000 |
| Interest-bearing deposits | 84,044,000 | 83,264,000 | 88,683,000 | 89,695,000 |
| Noninterest-bearing deposits | 21,353,000 | 20,015,000 | 20,416,000 | 20,833,000 |
| Equity capital | 10,630,000 | 10,889,000 | 11,073,000 | 11,252,000 |
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 | 1,456,000 | 2,934,000 | 4,410,000 | 5,895,000 |
| Interest expense | 142,000 | 281,000 | 425,000 | 562,000 |
| Net interest income | 1,314,000 | 2,653,000 | 3,985,000 | 5,333,000 |
| Noninterest income | 283,000 | 587,000 | 901,000 | 1,218,000 |
| Noninterest expense | 1,485,000 | 2,989,000 | 4,399,000 | 5,774,000 |
| Provision for loan losses | 30,000 | 60,000 | 115,000 | 235,000 |
| Pretax income | 86,000 | 216,000 | 476,000 | 646,000 |
| Income tax | 0 | 0 | 0 | -128,000 |
| Net income | 86,000 | 216,000 | 476,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,174,000 | 10,396,000 | 10,624,000 | 10,742,000 |
| Total capital | 11,007,000 | 11,243,000 | 11,507,000 | 11,676,000 |
| Risk-weighted assets | 66,592,000 | 67,798,000 | 72,546,000 | 76,608,000 |