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 | 11,121,000 | 10,873,000 | 10,515,000 | 10,531,000 |
| Total loans | 5,391,000 | 5,685,000 | 5,310,000 | 4,355,000 |
| Allowance for loan losses | 91,000 | 91,000 | 91,000 | 91,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 110,000 | 100,000 | 88,000 | 79,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,287,000 | 10,007,000 | 9,603,000 | 9,598,000 |
| Interest-bearing deposits | 7,783,000 | 7,567,000 | 7,517,000 | 7,171,000 |
| Noninterest-bearing deposits | 2,504,000 | 2,440,000 | 2,086,000 | 2,427,000 |
| Equity capital | 824,000 | 855,000 | 902,000 | 924,000 |
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 | 104,000 | 209,000 | 326,000 | 417,000 |
| Interest expense | 13,000 | 24,000 | 35,000 | 43,000 |
| Net interest income | 91,000 | 185,000 | 291,000 | 374,000 |
| Noninterest income | 4,000 | 7,000 | 10,000 | 14,000 |
| Noninterest expense | 65,000 | 124,000 | 184,000 | 243,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,000 | 68,000 | 117,000 | 145,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 6,000 |
| Net income | 29,000 | 65,000 | 112,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 824,000 | 855,000 | 902,000 | 924,000 |
| Total capital | 876,000 | 910,000 | 955,000 | 975,000 |
| Risk-weighted assets | 4,150,000 | 4,397,000 | 4,250,000 | 4,303,000 |