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 | 81,344,000 | 84,710,000 | 83,943,000 | 80,127,000 |
| Total loans | 56,491,000 | 57,063,000 | 56,330,000 | 54,154,000 |
| Allowance for loan losses | 712,000 | 661,000 | 728,000 | 714,000 |
| Securities available for sale | 2,674,000 | 2,407,000 | 2,196,000 | 1,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,585,000 | 77,703,000 | 76,590,000 | 72,798,000 |
| Interest-bearing deposits | 61,972,000 | 64,652,000 | 59,653,000 | 57,054,000 |
| Noninterest-bearing deposits | 12,613,000 | 13,051,000 | 16,937,000 | 15,744,000 |
| Equity capital | 6,599,000 | 6,771,000 | 7,070,000 | 7,247,000 |
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 | 1,045,000 | 2,048,000 | 3,100,000 | 4,099,000 |
| Interest expense | 165,000 | 318,000 | 450,000 | 551,000 |
| Net interest income | 880,000 | 1,730,000 | 2,650,000 | 3,548,000 |
| Noninterest income | 187,000 | 280,000 | 388,000 | 509,000 |
| Noninterest expense | 521,000 | 1,041,000 | 1,567,000 | 2,149,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 486,000 | 849,000 | 1,291,000 | 1,668,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 486,000 | 849,000 | 1,291,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,449,000 | 6,617,000 | 6,914,000 | 7,114,000 |
| Total capital | 7,110,000 | 7,278,000 | 7,642,000 | 7,719,000 |
| Risk-weighted assets | 52,903,000 | 74,734,000 | 60,640,000 | 53,391,000 |