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 | 174,784,000 | 172,442,000 | 180,050,000 | 178,910,000 |
| Total loans | 51,371,000 | 52,530,000 | 54,223,000 | 54,276,000 |
| Allowance for loan losses | 691,000 | 702,000 | 708,000 | 690,000 |
| Securities available for sale | 108,171,000 | 107,868,000 | 101,042,000 | 108,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,492,000 | 149,763,000 | 155,356,000 | 154,487,000 |
| Interest-bearing deposits | 116,682,000 | 114,362,000 | 116,481,000 | 113,519,000 |
| Noninterest-bearing deposits | 36,810,000 | 35,401,000 | 38,875,000 | 40,968,000 |
| Equity capital | 19,248,000 | 19,991,000 | 21,733,000 | 21,226,000 |
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 | 1,671,000 | 3,389,000 | 5,083,000 | 6,750,000 |
| Interest expense | 288,000 | 563,000 | 823,000 | 1,061,000 |
| Net interest income | 1,383,000 | 2,826,000 | 4,260,000 | 5,689,000 |
| Noninterest income | 214,000 | 415,000 | 636,000 | 986,000 |
| Noninterest expense | 1,106,000 | 2,218,000 | 3,272,000 | 4,429,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 2,000 |
| Pretax income | 953,000 | 1,540,000 | 2,229,000 | 2,939,000 |
| Income tax | 198,000 | 283,000 | 404,000 | 472,000 |
| Net income | 755,000 | 1,257,000 | 1,825,000 | 2,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,552,000 | 18,654,000 | 19,221,000 | 19,062,000 |
| Total capital | 19,243,000 | 19,356,000 | 19,929,000 | 19,752,000 |
| Risk-weighted assets | 72,963,000 | 72,805,000 | 74,878,000 | 74,913,000 |