Call reports 2012
CITIZENS STATE BANK OF HAYFIELD — 2012
What CITIZENS STATE BANK OF HAYFIELD 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 | 71,508,000 | 77,048,000 | 74,572,000 | 75,115,000 |
| Total loans | 52,715,000 | 54,724,000 | 55,901,000 | 57,764,000 |
| Allowance for loan losses | 830,000 | 823,000 | 823,000 | 779,000 |
| Securities available for sale | 4,213,000 | 5,085,000 | 5,634,000 | 6,503,000 |
| Securities held to maturity | 65,000 | 65,000 | 65,000 | 65,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,887,000 | 70,362,000 | 67,836,000 | 68,378,000 |
| Interest-bearing deposits | 50,562,000 | 52,050,000 | 51,564,000 | 51,207,000 |
| Noninterest-bearing deposits | 14,325,000 | 18,312,000 | 16,272,000 | 17,171,000 |
| Equity capital | 5,235,000 | 5,354,000 | 5,557,000 | 5,574,000 |
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 | 813,000 | 1,653,000 | 2,513,000 | 3,368,000 |
| Interest expense | 167,000 | 324,000 | 475,000 | 610,000 |
| Net interest income | 646,000 | 1,329,000 | 2,038,000 | 2,758,000 |
| Noninterest income | 61,000 | 118,000 | 193,000 | 270,000 |
| Noninterest expense | 560,000 | 1,114,000 | 1,657,000 | 2,296,000 |
| Provision for loan losses | 16,000 | 21,000 | 21,000 | 21,000 |
| Pretax income | 131,000 | 312,000 | 553,000 | 711,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 130,000 | 311,000 | 552,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,191,000 | 5,269,000 | 5,416,000 | 5,477,000 |
| Total capital | 5,821,000 | 5,927,000 | 6,090,000 | 6,175,000 |
| Risk-weighted assets | 50,169,000 | 52,488,000 | 53,810,000 | 55,768,000 |
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