Call reports 2011
CITIZENS BANK OF SPENCER — 2011
What CITIZENS BANK OF SPENCER reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Total assets | 46,098,000 | 44,336,000 |
| Total loans | 26,802,000 | 26,247,000 |
| Allowance for loan losses | 1,175,000 | 1,160,000 |
| Securities available for sale | 11,091,000 | 10,199,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 44,122,000 | 42,113,000 |
| Interest-bearing deposits | 40,494,000 | 38,509,000 |
| Noninterest-bearing deposits | 3,628,000 | 3,604,000 |
| Equity capital | 1,727,000 | 1,945,000 |
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 |
|---|---|---|
| Interest income | 540,000 | 1,078,000 |
| Interest expense | 147,000 | 277,000 |
| Net interest income | 393,000 | 801,000 |
| Noninterest income | 44,000 | 93,000 |
| Noninterest expense | 400,000 | 850,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 37,000 | 44,000 |
| Income tax | 0 | 0 |
| Net income | 37,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Tier 1 capital | 1,796,000 | 1,803,000 |
| Total capital | 2,122,000 | 2,120,000 |
| Risk-weighted assets | 25,257,000 | 24,552,000 |