Call reports 2013
CITIZENS STATE BANK, THE — 2013
What CITIZENS STATE BANK, THE 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 | 167,617,000 | 172,557,000 | 166,298,000 | 176,459,000 |
| Total loans | 107,220,000 | 111,143,000 | 106,114,000 | 114,445,000 |
| Allowance for loan losses | 967,000 | 880,000 | 974,000 | 979,000 |
| Securities available for sale | 36,950,000 | 37,453,000 | 40,308,000 | 38,935,000 |
| Securities held to maturity | 65,000 | 61,000 | 58,000 | 55,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,771,000 | 158,154,000 | 151,858,000 | 162,166,000 |
| Interest-bearing deposits | 108,527,000 | 115,210,000 | 110,146,000 | 119,156,000 |
| Noninterest-bearing deposits | 44,244,000 | 42,944,000 | 41,712,000 | 43,009,000 |
| Equity capital | 14,228,000 | 13,954,000 | 13,935,000 | 13,846,000 |
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 | 1,669,000 | 3,350,000 | 5,025,000 | 6,761,000 |
| Interest expense | 113,000 | 223,000 | 331,000 | 435,000 |
| Net interest income | 1,556,000 | 3,127,000 | 4,694,000 | 6,326,000 |
| Noninterest income | 149,000 | 297,000 | 474,000 | 725,000 |
| Noninterest expense | 1,146,000 | 2,359,000 | 3,539,000 | 5,281,000 |
| Provision for loan losses | 25,000 | 40,000 | 130,000 | 130,000 |
| Pretax income | 534,000 | 1,025,000 | 1,499,000 | 1,640,000 |
| Income tax | 195,000 | 372,000 | 361,000 | 240,000 |
| Net income | 339,000 | 653,000 | 1,138,000 | 1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,051,000 | 13,139,000 | 13,162,000 | 13,151,000 |
| Total capital | 14,018,000 | 14,019,000 | 14,136,000 | 14,130,000 |
| Risk-weighted assets | 107,395,000 | 113,677,000 | 109,173,000 | 117,927,000 |