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 | 30,193,000 | 31,317,000 | 31,701,000 | 31,169,000 |
| Total loans | 20,182,000 | 22,991,000 | 23,972,000 | 23,851,000 |
| Allowance for loan losses | 334,000 | 334,000 | 330,000 | 331,000 |
| Securities available for sale | 3,117,000 | 3,097,000 | 2,704,000 | 2,187,000 |
| Securities held to maturity | 981,000 | 1,028,000 | 995,000 | 893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,328,000 | 26,529,000 | 26,811,000 | 26,781,000 |
| Interest-bearing deposits | 20,257,000 | 20,944,000 | 20,990,000 | 21,445,000 |
| Noninterest-bearing deposits | 5,071,000 | 5,585,000 | 5,821,000 | 5,336,000 |
| Equity capital | 2,845,000 | 2,766,000 | 2,862,000 | 2,875,000 |
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 | 339,000 | 692,000 | 1,065,000 | 1,432,000 |
| Interest expense | 72,000 | 140,000 | 207,000 | 266,000 |
| Net interest income | 267,000 | 552,000 | 858,000 | 1,166,000 |
| Noninterest income | 41,000 | 78,000 | 134,000 | 184,000 |
| Noninterest expense | 338,000 | 634,000 | 892,000 | 1,235,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -30,000 | -3,000 | 101,000 | 116,000 |
| Income tax | 0 | 2,000 | 3,000 | 6,000 |
| Net income | -30,000 | -5,000 | 98,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,842,000 | 2,768,000 | 2,872,000 | 2,882,000 |
| Total capital | 3,075,000 | 3,025,000 | 3,142,000 | 3,148,000 |
| Risk-weighted assets | 18,636,000 | 20,573,000 | 21,520,000 | 21,248,000 |