Call reports 2012
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2012
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 41,793,000 | 64,482,000 | 41,125,000 | 39,708,000 |
| Total loans | 21,591,000 | 22,290,000 | 21,652,000 | 20,402,000 |
| Allowance for loan losses | 672,000 | 751,000 | 706,000 | 770,000 |
| Securities available for sale | 9,261,000 | 9,846,000 | 10,215,000 | 10,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,896,000 | 58,372,000 | 34,838,000 | 33,542,000 |
| Interest-bearing deposits | 28,534,000 | 28,122,000 | 27,655,000 | 26,935,000 |
| Noninterest-bearing deposits | 7,362,000 | 30,250,000 | 7,183,000 | 6,607,000 |
| Equity capital | 5,677,000 | 5,834,000 | 5,963,000 | 5,912,000 |
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 | 512,000 | 989,000 | 1,460,000 | 1,936,000 |
| Interest expense | 86,000 | 163,000 | 235,000 | 300,000 |
| Net interest income | 426,000 | 826,000 | 1,225,000 | 1,636,000 |
| Noninterest income | 67,000 | 141,000 | 210,000 | 266,000 |
| Noninterest expense | 336,000 | 688,000 | 1,038,000 | 1,481,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 90,000 | 148,000 | 208,000 | 266,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 90,000 | 148,000 | 208,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,338,000 | 5,395,000 | 5,455,000 | 5,513,000 |
| Total capital | 5,640,000 | 5,772,000 | 5,770,000 | 5,815,000 |
| Risk-weighted assets | 23,781,000 | 29,758,000 | 24,843,000 | 23,662,000 |