Call reports 2013
CITIZENS STATE BANK OF HAYFIELD — 2013
What CITIZENS STATE BANK OF HAYFIELD 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 | 75,608,000 | 85,418,000 | 79,802,000 | 82,813,000 |
| Total loans | 53,897,000 | 54,364,000 | 54,941,000 | 57,065,000 |
| Allowance for loan losses | 768,000 | 783,000 | 792,000 | 807,000 |
| Securities available for sale | 6,080,000 | 6,047,000 | 6,813,000 | 8,483,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,934,000 | 78,883,000 | 73,152,000 | 76,258,000 |
| Interest-bearing deposits | 53,271,000 | 55,447,000 | 55,920,000 | 55,885,000 |
| Noninterest-bearing deposits | 15,663,000 | 23,436,000 | 17,232,000 | 20,373,000 |
| Equity capital | 5,500,000 | 5,377,000 | 5,547,000 | 5,456,000 |
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 | 807,000 | 1,618,000 | 2,421,000 | 3,240,000 |
| Interest expense | 129,000 | 257,000 | 379,000 | 492,000 |
| Net interest income | 678,000 | 1,361,000 | 2,042,000 | 2,748,000 |
| Noninterest income | 78,000 | 159,000 | 230,000 | 310,000 |
| Noninterest expense | 547,000 | 1,107,000 | 1,661,000 | 2,347,000 |
| Provision for loan losses | 13,000 | 28,000 | 38,000 | 53,000 |
| Pretax income | 196,000 | 385,000 | 573,000 | 658,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 195,000 | 384,000 | 572,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,422,000 | 5,487,000 | 5,585,000 | 5,598,000 |
| Total capital | 6,072,000 | 6,148,000 | 6,256,000 | 6,303,000 |
| Risk-weighted assets | 51,854,000 | 52,736,000 | 53,575,000 | 56,333,000 |
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