Call reports 2011
CITIZENS STATE BANK OF SHAKOPEE — 2011
What CITIZENS STATE BANK OF SHAKOPEE 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 | 17,915,000 | 18,207,000 | 19,747,000 | 20,369,000 |
| Total loans | 8,438,000 | 9,515,000 | 11,687,000 | 12,138,000 |
| Allowance for loan losses | 80,000 | 87,000 | 99,000 | 132,000 |
| Securities available for sale | 1,740,000 | 1,716,000 | 751,000 | 201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,155,000 | 16,520,000 | 18,063,000 | 18,753,000 |
| Interest-bearing deposits | 11,630,000 | 12,134,000 | 12,969,000 | 13,544,000 |
| Noninterest-bearing deposits | 4,525,000 | 4,386,000 | 5,094,000 | 5,209,000 |
| Equity capital | 1,650,000 | 1,615,000 | 1,569,000 | 1,515,000 |
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 | 149,000 | 298,000 | 454,000 | 631,000 |
| Interest expense | 26,000 | 52,000 | 80,000 | 108,000 |
| Net interest income | 123,000 | 246,000 | 374,000 | 523,000 |
| Noninterest income | 70,000 | 105,000 | 142,000 | 172,000 |
| Noninterest expense | 202,000 | 380,000 | 573,000 | 780,000 |
| Provision for loan losses | 5,000 | 11,000 | 24,000 | 49,000 |
| Pretax income | -14,000 | -40,000 | -81,000 | -134,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -14,000 | -40,000 | -81,000 | -134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,652,000 | 1,558,000 | 1,482,000 | 1,429,000 |
| Total capital | 1,732,000 | 1,645,000 | 1,581,000 | 1,561,000 |
| Risk-weighted assets | 9,593,000 | 10,554,000 | 12,315,000 | 12,504,000 |