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 | 140,799,000 | 140,366,000 | 136,115,000 | 140,138,000 |
| Total loans | 96,538,000 | 93,525,000 | 90,582,000 | 87,115,000 |
| Allowance for loan losses | 3,343,000 | 3,174,000 | 3,088,000 | 2,648,000 |
| Securities available for sale | 22,264,000 | 21,475,000 | 21,122,000 | 21,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,291,000 | 132,647,000 | 127,802,000 | 131,857,000 |
| Interest-bearing deposits | 109,284,000 | 109,339,000 | 102,152,000 | 106,451,000 |
| Noninterest-bearing deposits | 22,007,000 | 23,307,000 | 25,651,000 | 25,405,000 |
| Equity capital | 6,282,000 | 6,906,000 | 7,552,000 | 7,560,000 |
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 | 1,540,000 | 3,073,000 | 4,569,000 | 5,991,000 |
| Interest expense | 362,000 | 686,000 | 959,000 | 1,187,000 |
| Net interest income | 1,178,000 | 2,387,000 | 3,610,000 | 4,804,000 |
| Noninterest income | 218,000 | 492,000 | 736,000 | -74,000 |
| Noninterest expense | 2,173,000 | 3,537,000 | 4,710,000 | 4,949,000 |
| Provision for loan losses | -297,000 | -297,000 | -297,000 | -297,000 |
| Pretax income | -480,000 | -262,000 | 147,000 | 296,000 |
| Income tax | -8,000 | -8,000 | -8,000 | -8,000 |
| Net income | -472,000 | -254,000 | 155,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,152,000 | 6,370,000 | 6,779,000 | 6,927,000 |
| Total capital | 7,499,000 | 7,666,000 | 8,027,000 | 8,148,000 |
| Risk-weighted assets | 105,785,000 | 101,775,000 | 98,037,000 | 96,228,000 |