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 | 116,452,000 | 121,962,000 | 112,717,000 | 116,421,000 |
| Total loans | 75,718,000 | 74,883,000 | 74,403,000 | 77,609,000 |
| Allowance for loan losses | 945,000 | 961,000 | 979,000 | 995,000 |
| Securities available for sale | 15,639,000 | 12,627,000 | 12,310,000 | 11,274,000 |
| Securities held to maturity | 14,732,000 | 15,145,000 | 15,183,000 | 15,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,292,000 | 108,020,000 | 98,457,000 | 101,174,000 |
| Interest-bearing deposits | 79,491,000 | 87,038,000 | 76,867,000 | 78,080,000 |
| Noninterest-bearing deposits | 22,801,000 | 20,982,000 | 21,590,000 | 23,094,000 |
| Equity capital | 13,288,000 | 13,058,000 | 13,343,000 | 13,546,000 |
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 | 1,058,000 | 2,112,000 | 3,166,000 | 4,207,000 |
| Interest expense | 119,000 | 235,000 | 347,000 | 454,000 |
| Net interest income | 939,000 | 1,877,000 | 2,819,000 | 3,753,000 |
| Noninterest income | 99,000 | 204,000 | 308,000 | 424,000 |
| Noninterest expense | 592,000 | 1,202,000 | 1,804,000 | 2,384,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 428,000 | 876,000 | 1,310,000 | 1,762,000 |
| Income tax | 21,000 | 44,000 | 65,000 | 84,000 |
| Net income | 407,000 | 832,000 | 1,245,000 | 1,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,482,000 | 11,509,000 | 11,747,000 | 12,006,000 |
| Total capital | 12,427,000 | 12,470,000 | 12,708,000 | 13,001,000 |
| Risk-weighted assets | 78,444,000 | 84,737,000 | 76,893,000 | 79,685,000 |