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 | 16,012,000 | 15,865,000 | 15,890,000 | 16,947,000 |
| Total loans | 11,726,000 | 12,636,000 | 13,329,000 | 12,453,000 |
| Allowance for loan losses | 90,000 | 90,000 | 90,000 | 91,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,706,000 | 11,542,000 | 11,276,000 | 12,361,000 |
| Interest-bearing deposits | 10,658,000 | 10,690,000 | 10,377,000 | 11,340,000 |
| Noninterest-bearing deposits | 1,048,000 | 852,000 | 899,000 | 1,021,000 |
| Equity capital | 1,137,000 | 1,175,000 | 1,220,000 | 1,205,000 |
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 | 214,000 | 445,000 | 689,000 | 916,000 |
| Interest expense | 54,000 | 116,000 | 177,000 | 247,000 |
| Net interest income | 160,000 | 329,000 | 512,000 | 669,000 |
| Noninterest income | 26,000 | 56,000 | 80,000 | 103,000 |
| Noninterest expense | 148,000 | 280,000 | 428,000 | 613,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 38,000 | 105,000 | 164,000 | 159,000 |
| Income tax | 0 | 29,000 | 43,000 | 53,000 |
| Net income | 38,000 | 76,000 | 121,000 | 106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,137,000 | 1,175,000 | 1,220,000 | 1,205,000 |
| Total capital | 1,227,000 | 1,265,000 | 1,310,000 | 1,296,000 |
| Risk-weighted assets | 8,853,000 | 9,110,000 | 9,696,000 | 8,825,000 |