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 | 77,372,000 | 73,327,000 | 74,946,000 | 73,315,000 |
| Total loans | 56,431,000 | 52,005,000 | 50,861,000 | 48,850,000 |
| Allowance for loan losses | 568,000 | 513,000 | 584,000 | 527,000 |
| Securities available for sale | 15,795,000 | 16,556,000 | 17,144,000 | 18,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,214,000 | 65,577,000 | 66,810,000 | 65,334,000 |
| Interest-bearing deposits | 56,501,000 | 56,605,000 | 56,402,000 | 50,962,000 |
| Noninterest-bearing deposits | 9,713,000 | 8,972,000 | 10,408,000 | 14,372,000 |
| Equity capital | 7,050,000 | 6,858,000 | 7,252,000 | 7,389,000 |
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 | 1,129,000 | 2,164,000 | 3,157,000 | 4,132,000 |
| Interest expense | 215,000 | 413,000 | 585,000 | 736,000 |
| Net interest income | 914,000 | 1,751,000 | 2,572,000 | 3,396,000 |
| Noninterest income | 100,000 | 174,000 | 283,000 | 403,000 |
| Noninterest expense | 679,000 | 1,390,000 | 2,035,000 | 2,684,000 |
| Provision for loan losses | 110,000 | 589,000 | 649,000 | 702,000 |
| Pretax income | 227,000 | -24,000 | 230,000 | 472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 227,000 | -24,000 | 230,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,867,000 | 6,478,000 | 6,644,000 | 6,631,000 |
| Total capital | 7,435,000 | 6,991,000 | 7,228,000 | 7,158,000 |
| Risk-weighted assets | 54,183,000 | 49,980,000 | 49,108,000 | 47,406,000 |