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 | 74,559,000 | 76,855,000 | 72,668,000 | 69,558,000 |
| Total loans | 50,261,000 | 47,558,000 | 45,212,000 | 45,034,000 |
| Allowance for loan losses | 1,423,000 | 1,544,000 | 1,793,000 | 1,448,000 |
| Securities available for sale | 3,024,000 | 2,814,000 | 2,753,000 | 2,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,122,000 | 69,706,000 | 66,115,000 | 63,616,000 |
| Interest-bearing deposits | 59,815,000 | 61,974,000 | 58,842,000 | 56,349,000 |
| Noninterest-bearing deposits | 7,307,000 | 7,732,000 | 7,273,000 | 7,267,000 |
| Equity capital | 6,060,000 | 5,799,000 | 5,238,000 | 4,676,000 |
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 | 730,000 | 1,424,000 | 2,133,000 | 2,797,000 |
| Interest expense | 215,000 | 411,000 | 591,000 | 746,000 |
| Net interest income | 515,000 | 1,013,000 | 1,542,000 | 2,051,000 |
| Noninterest income | 86,000 | 90,000 | 93,000 | -398,000 |
| Noninterest expense | 667,000 | 1,442,000 | 2,186,000 | 3,011,000 |
| Provision for loan losses | 150,000 | 350,000 | 1,035,000 | 1,185,000 |
| Pretax income | -216,000 | -689,000 | -1,586,000 | -2,543,000 |
| Income tax | -88,000 | -271,000 | -611,000 | -1,006,000 |
| Net income | -128,000 | -418,000 | -975,000 | -1,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,583,000 | 5,293,000 | 4,696,000 | 3,653,000 |
| Total capital | 6,309,000 | 6,002,000 | 5,390,000 | 4,332,000 |
| Risk-weighted assets | 57,418,000 | 55,914,000 | 54,412,000 | 53,548,000 |