Call reports 2013
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2013
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 16,226,000 | 16,437,000 | 16,206,000 | 16,602,000 |
| Total loans | 8,664,000 | 10,108,000 | 10,178,000 | 10,597,000 |
| Allowance for loan losses | 140,000 | 139,000 | 142,000 | 483,000 |
| Securities available for sale | 4,689,000 | 4,690,000 | 3,536,000 | 3,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,069,000 | 14,357,000 | 14,157,000 | 15,046,000 |
| Interest-bearing deposits | 11,746,000 | 12,073,000 | 11,366,000 | 12,557,000 |
| Noninterest-bearing deposits | 2,323,000 | 2,284,000 | 2,791,000 | 2,489,000 |
| Equity capital | 2,150,000 | 2,071,000 | 2,042,000 | 1,548,000 |
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 | 147,000 | 307,000 | 487,000 | 664,000 |
| Interest expense | 11,000 | 23,000 | 35,000 | 46,000 |
| Net interest income | 136,000 | 284,000 | 452,000 | 618,000 |
| Noninterest income | 13,000 | 26,000 | 40,000 | 56,000 |
| Noninterest expense | 209,000 | 357,000 | 568,000 | 781,000 |
| Provision for loan losses | 2,000 | 4,000 | 8,000 | 500,000 |
| Pretax income | -62,000 | -51,000 | -80,000 | -603,000 |
| Income tax | 0 | 0 | 0 | -36,000 |
| Net income | -62,000 | -51,000 | -80,000 | -567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,596,000 | 1,607,000 | 1,577,000 | 1,091,000 |
| Total capital | 1,720,000 | 1,741,000 | 1,712,000 | 1,239,000 |
| Risk-weighted assets | 9,931,000 | 10,752,000 | 11,413,000 | 11,548,000 |