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 | 86,276,000 | 87,053,000 | 88,886,000 | 86,844,000 |
| Total loans | 26,461,000 | 27,712,000 | 27,774,000 | 27,080,000 |
| Allowance for loan losses | 678,000 | 678,000 | 669,000 | 634,000 |
| Securities available for sale | 51,793,000 | 51,152,000 | 52,903,000 | 51,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,863,000 | 61,121,000 | 59,767,000 | 59,024,000 |
| Interest-bearing deposits | 57,951,000 | 56,861,000 | 54,934,000 | 54,365,000 |
| Noninterest-bearing deposits | 4,913,000 | 4,259,000 | 4,834,000 | 4,659,000 |
| Equity capital | 16,314,000 | 15,878,000 | 16,071,000 | 15,984,000 |
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 | 661,000 | 1,308,000 | 2,006,000 | 2,727,000 |
| Interest expense | 147,000 | 282,000 | 413,000 | 539,000 |
| Net interest income | 514,000 | 1,026,000 | 1,593,000 | 2,188,000 |
| Noninterest income | 84,000 | 170,000 | 274,000 | 396,000 |
| Noninterest expense | 425,000 | 848,000 | 1,275,000 | 1,706,000 |
| Provision for loan losses | 13,000 | 13,000 | 13,000 | 13,000 |
| Pretax income | 160,000 | 335,000 | 579,000 | 865,000 |
| Income tax | 10,000 | 19,000 | 54,000 | 111,000 |
| Net income | 150,000 | 316,000 | 525,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,058,000 | 10,101,000 | 10,309,000 | 10,431,000 |
| Total capital | 10,506,000 | 10,614,000 | 10,818,000 | 10,934,000 |
| Risk-weighted assets | 45,896,000 | 47,665,000 | 40,560,000 | 40,102,000 |
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