Call reports 2011
CITIZENS STATE BANK OF ROSEAU — 2011
What CITIZENS STATE BANK OF ROSEAU 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 | 187,928,000 | 196,033,000 | 188,385,000 | 191,678,000 |
| Total loans | 72,433,000 | 77,005,000 | 79,661,000 | 82,137,000 |
| Allowance for loan losses | 1,031,000 | 1,025,000 | 1,058,000 | 1,125,000 |
| Securities available for sale | 95,463,000 | 103,654,000 | 99,067,000 | 95,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,831,000 | 166,686,000 | 157,702,000 | 161,053,000 |
| Interest-bearing deposits | 135,097,000 | 143,157,000 | 135,263,000 | 137,995,000 |
| Noninterest-bearing deposits | 24,734,000 | 23,529,000 | 22,439,000 | 23,058,000 |
| Equity capital | 23,248,000 | 24,511,000 | 25,694,000 | 25,936,000 |
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 | 1,887,000 | 3,810,000 | 5,793,000 | 7,738,000 |
| Interest expense | 410,000 | 803,000 | 1,178,000 | 1,510,000 |
| Net interest income | 1,477,000 | 3,007,000 | 4,615,000 | 6,228,000 |
| Noninterest income | 224,000 | 440,000 | 713,000 | 991,000 |
| Noninterest expense | 956,000 | 1,894,000 | 2,876,000 | 3,870,000 |
| Provision for loan losses | 32,000 | 63,000 | 96,000 | 186,000 |
| Pretax income | 713,000 | 1,491,000 | 2,372,000 | 3,185,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 712,000 | 1,490,000 | 2,370,000 | 3,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,649,000 | 21,847,000 | 22,427,000 | 22,840,000 |
| Total capital | 22,680,000 | 22,872,000 | 23,485,000 | 23,965,000 |
| Risk-weighted assets | 105,625,000 | 110,877,000 | 110,142,000 | 112,880,000 |