Call reports 2012
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2012
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 12,015,000 | 11,975,000 | 11,628,000 | 13,663,000 |
| Total loans | 5,315,000 | 6,207,000 | 6,733,000 | 7,285,000 |
| Allowance for loan losses | 59,000 | 60,000 | 62,000 | 138,000 |
| Securities available for sale | 4,658,000 | 4,497,000 | 3,620,000 | 4,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,312,000 | 10,055,000 | 9,912,000 | 11,887,000 |
| Interest-bearing deposits | 8,562,000 | 8,313,000 | 4,939,000 | 9,603,000 |
| Noninterest-bearing deposits | 1,750,000 | 1,742,000 | 4,973,000 | 2,284,000 |
| Equity capital | 1,671,000 | 1,730,000 | 1,683,000 | 1,768,000 |
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 | 108,000 | 228,000 | 364,000 | 480,000 |
| Interest expense | 12,000 | 22,000 | 32,000 | 42,000 |
| Net interest income | 96,000 | 206,000 | 332,000 | 438,000 |
| Noninterest income | 8,000 | 17,000 | 25,000 | 39,000 |
| Noninterest expense | 154,000 | 256,000 | 430,000 | 635,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 106,000 |
| Pretax income | -52,000 | -36,000 | -63,000 | -248,000 |
| Income tax | 0 | 0 | 0 | -28,000 |
| Net income | -52,000 | -36,000 | -63,000 | -220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,106,000 | 1,122,000 | 1,095,000 | 1,200,000 |
| Total capital | 1,163,000 | 1,182,000 | 1,157,000 | 1,306,000 |
| Risk-weighted assets | 6,426,000 | 7,103,000 | 7,389,000 | 8,407,000 |