Call reports 2013
CITIZENS STATE BANK — 2013
What CITIZENS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 629,745,000 | 628,007,000 | 642,359,000 | 660,984,000 |
| Total loans | 108,917,000 | 111,390,000 | 103,825,000 | 107,491,000 |
| Allowance for loan losses | 1,872,000 | 1,966,000 | 1,176,000 | 1,116,000 |
| Securities available for sale | 496,924,000 | 480,857,000 | 504,435,000 | 507,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 567,399,000 | 576,128,000 | 588,472,000 | 615,934,000 |
| Interest-bearing deposits | 510,974,000 | 507,372,000 | 527,152,000 | 550,134,000 |
| Noninterest-bearing deposits | 56,425,000 | 68,756,000 | 61,320,000 | 65,800,000 |
| Equity capital | 60,241,000 | 50,242,000 | 44,987,000 | 43,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,633,000 | 11,498,000 | 17,609,000 | 23,906,000 |
| Interest expense | 1,685,000 | 3,383,000 | 5,071,000 | 6,758,000 |
| Net interest income | 3,948,000 | 8,115,000 | 12,538,000 | 17,148,000 |
| Noninterest income | 516,000 | 966,000 | 1,497,000 | 1,835,000 |
| Noninterest expense | 2,169,000 | 4,246,000 | 6,626,000 | 8,995,000 |
| Provision for loan losses | 22,000 | 145,000 | 168,000 | 443,000 |
| Pretax income | 2,779,000 | 5,502,000 | 8,052,000 | 10,383,000 |
| Income tax | 130,000 | 182,000 | 125,000 | 540,000 |
| Net income | 2,649,000 | 5,320,000 | 7,927,000 | 9,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,944,000 | 53,740,000 | 56,373,000 | 57,920,000 |
| Total capital | 53,816,000 | 55,706,000 | 57,549,000 | 59,036,000 |
| Risk-weighted assets | 231,418,000 | 246,084,000 | 257,086,000 | 263,792,000 |