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 | 206,447,000 | 213,911,000 | 210,390,000 | 217,395,000 |
| Total loans | 138,344,000 | 135,812,000 | 134,967,000 | 133,685,000 |
| Allowance for loan losses | 1,730,000 | 1,812,000 | 1,957,000 | 1,897,000 |
| Securities available for sale | 50,551,000 | 55,076,000 | 58,421,000 | 65,303,000 |
| Securities held to maturity | 1,431,000 | 1,431,000 | 1,325,000 | 1,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,508,000 | 184,970,000 | 182,009,000 | 186,971,000 |
| Interest-bearing deposits | 160,893,000 | 166,050,000 | 162,818,000 | 162,804,000 |
| Noninterest-bearing deposits | 17,615,000 | 18,920,000 | 19,191,000 | 24,167,000 |
| Equity capital | 20,756,000 | 21,516,000 | 22,421,000 | 22,967,000 |
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 | 2,408,000 | 4,896,000 | 7,348,000 | 9,729,000 |
| Interest expense | 646,000 | 1,271,000 | 1,863,000 | 2,424,000 |
| Net interest income | 1,762,000 | 3,625,000 | 5,485,000 | 7,305,000 |
| Noninterest income | 212,000 | 435,000 | 720,000 | 1,015,000 |
| Noninterest expense | 1,269,000 | 2,476,000 | 3,708,000 | 4,961,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 555,000 | 1,288,000 | 2,059,000 | 2,805,000 |
| Income tax | 7,000 | 16,000 | 26,000 | 35,000 |
| Net income | 548,000 | 1,272,000 | 2,033,000 | 2,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,012,000 | 18,259,000 | 18,730,000 | 19,390,000 |
| Total capital | 19,742,000 | 20,071,000 | 20,614,000 | 21,285,000 |
| Risk-weighted assets | 155,769,000 | 153,514,000 | 149,889,000 | 150,832,000 |