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 | 105,182,000 | 108,040,000 | 109,619,000 | 120,292,000 |
| Total loans | 70,383,000 | 69,234,000 | 71,922,000 | 79,542,000 |
| Allowance for loan losses | 877,000 | 893,000 | 865,000 | 927,000 |
| Securities available for sale | 14,219,000 | 15,914,000 | 14,750,000 | 16,306,000 |
| Securities held to maturity | 10,618,000 | 10,980,000 | 12,290,000 | 14,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,895,000 | 94,523,000 | 95,739,000 | 100,274,000 |
| Interest-bearing deposits | 73,683,000 | 75,030,000 | 74,393,000 | 75,805,000 |
| Noninterest-bearing deposits | 18,212,000 | 19,493,000 | 21,346,000 | 24,469,000 |
| Equity capital | 12,313,000 | 12,548,000 | 12,886,000 | 13,111,000 |
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 | 1,111,000 | 2,195,000 | 3,293,000 | 4,397,000 |
| Interest expense | 171,000 | 338,000 | 496,000 | 633,000 |
| Net interest income | 940,000 | 1,857,000 | 2,797,000 | 3,764,000 |
| Noninterest income | 93,000 | 192,000 | 289,000 | 461,000 |
| Noninterest expense | 567,000 | 1,129,000 | 1,685,000 | 2,301,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 448,000 | 884,000 | 1,347,000 | 1,852,000 |
| Income tax | 22,000 | 44,000 | 67,000 | 91,000 |
| Net income | 426,000 | 840,000 | 1,280,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,372,000 | 10,645,000 | 10,945,000 | 11,285,000 |
| Total capital | 11,249,000 | 11,538,000 | 11,810,000 | 12,212,000 |
| Risk-weighted assets | 72,231,000 | 71,807,000 | 74,333,000 | 82,374,000 |