Call reports 2012
CITIZENS STATE BANK — 2012
What CITIZENS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 550,630,000 | 572,473,000 | 582,700,000 | 597,334,000 |
| Total loans | 107,878,000 | 109,027,000 | 106,935,000 | 106,408,000 |
| Allowance for loan losses | 2,397,000 | 2,293,000 | 2,539,000 | 2,129,000 |
| Securities available for sale | 422,922,000 | 439,562,000 | 448,018,000 | 460,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,927,000 | 507,334,000 | 515,504,000 | 532,552,000 |
| Interest-bearing deposits | 445,836,000 | 455,114,000 | 462,326,000 | 477,443,000 |
| Noninterest-bearing deposits | 46,091,000 | 52,220,000 | 53,178,000 | 55,109,000 |
| Equity capital | 53,733,000 | 59,115,000 | 61,480,000 | 61,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,695,000 | 11,486,000 | 17,036,000 | 22,545,000 |
| Interest expense | 1,689,000 | 3,416,000 | 5,145,000 | 6,861,000 |
| Net interest income | 4,006,000 | 8,070,000 | 11,891,000 | 15,684,000 |
| Noninterest income | 550,000 | 1,120,000 | 1,608,000 | 2,117,000 |
| Noninterest expense | 1,893,000 | 3,819,000 | 5,865,000 | 7,963,000 |
| Provision for loan losses | 55,000 | 70,000 | 390,000 | 646,000 |
| Pretax income | 3,290,000 | 6,711,000 | 9,293,000 | 12,047,000 |
| Income tax | 447,000 | 897,000 | 1,059,000 | 1,241,000 |
| Net income | 2,843,000 | 5,814,000 | 8,234,000 | 10,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,124,000 | 45,123,000 | 47,569,000 | 49,269,000 |
| Total capital | 44,521,000 | 47,416,000 | 50,055,000 | 51,398,000 |
| Risk-weighted assets | 191,597,000 | 197,553,000 | 198,792,000 | 208,878,000 |