Call reports 2012
CITIZENS STATE BANK, THE — 2012
What CITIZENS STATE BANK, THE 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 | 119,426,000 | 122,202,000 | 157,685,000 | 171,221,000 |
| Total loans | 84,926,000 | 85,652,000 | 101,807,000 | 106,040,000 |
| Allowance for loan losses | 889,000 | 843,000 | 890,000 | 945,000 |
| Securities available for sale | 24,053,000 | 25,524,000 | 36,400,000 | 39,014,000 |
| Securities held to maturity | 84,000 | 80,000 | 77,000 | 71,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,882,000 | 110,482,000 | 142,350,000 | 156,347,000 |
| Interest-bearing deposits | 79,158,000 | 81,188,000 | 104,481,000 | 113,811,000 |
| Noninterest-bearing deposits | 28,724,000 | 29,294,000 | 37,869,000 | 42,536,000 |
| Equity capital | 10,776,000 | 10,996,000 | 14,623,000 | 14,229,000 |
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 | 1,385,000 | 2,815,000 | 4,361,000 | 6,069,000 |
| Interest expense | 119,000 | 229,000 | 346,000 | 472,000 |
| Net interest income | 1,266,000 | 2,586,000 | 4,015,000 | 5,597,000 |
| Noninterest income | 125,000 | 257,000 | 410,000 | 575,000 |
| Noninterest expense | 817,000 | 1,657,000 | 2,816,000 | 4,472,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 574,000 | 1,186,000 | 1,609,000 | 1,640,000 |
| Income tax | 209,000 | 432,000 | 594,000 | 594,000 |
| Net income | 365,000 | 754,000 | 1,015,000 | 1,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,050,000 | 10,248,000 | 13,209,000 | 12,939,000 |
| Total capital | 10,939,000 | 11,091,000 | 14,099,000 | 13,884,000 |
| Risk-weighted assets | 84,052,000 | 86,027,000 | 106,681,000 | 112,071,000 |