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 | 120,259,000 | 120,236,000 | 124,771,000 | 130,913,000 |
| Total loans | 76,498,000 | 76,833,000 | 80,185,000 | 89,237,000 |
| Allowance for loan losses | 1,382,000 | 1,448,000 | 1,518,000 | 1,593,000 |
| Securities available for sale | 31,525,000 | 32,508,000 | 34,692,000 | 33,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,739,000 | 103,237,000 | 107,239,000 | 105,209,000 |
| Interest-bearing deposits | 87,247,000 | 86,336,000 | 89,319,000 | 84,613,000 |
| Noninterest-bearing deposits | 16,492,000 | 16,901,000 | 17,920,000 | 20,596,000 |
| Equity capital | 12,664,000 | 13,212,000 | 13,959,000 | 14,014,000 |
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 | 1,369,000 | 2,770,000 | 4,197,000 | 5,678,000 |
| Interest expense | 236,000 | 451,000 | 635,000 | 791,000 |
| Net interest income | 1,133,000 | 2,319,000 | 3,562,000 | 4,887,000 |
| Noninterest income | 128,000 | 152,000 | 168,000 | 296,000 |
| Noninterest expense | 795,000 | 1,543,000 | 2,109,000 | 2,905,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 432,000 | 819,000 | 1,446,000 | 2,035,000 |
| Income tax | 121,000 | 238,000 | 342,000 | 549,000 |
| Net income | 311,000 | 581,000 | 1,104,000 | 1,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,370,000 | 12,641,000 | 13,163,000 | 13,246,000 |
| Total capital | 13,482,000 | 13,746,000 | 14,321,000 | 14,350,000 |
| Risk-weighted assets | 88,722,000 | 88,069,000 | 92,296,000 | 102,001,000 |