Call reports 2013
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2013
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 39,826,000 | 38,688,000 | 41,802,000 | 46,865,000 |
| Total loans | 19,286,000 | 18,836,000 | 18,422,000 | 18,785,000 |
| Allowance for loan losses | 790,000 | 805,000 | 813,000 | 787,000 |
| Securities available for sale | 11,723,000 | 10,310,000 | 10,284,000 | 11,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,542,000 | 32,687,000 | 35,883,000 | 41,301,000 |
| Interest-bearing deposits | 26,310,000 | 25,940,000 | 26,185,000 | 28,707,000 |
| Noninterest-bearing deposits | 7,232,000 | 6,747,000 | 9,698,000 | 12,594,000 |
| Equity capital | 6,006,000 | 5,649,000 | 5,520,000 | 5,385,000 |
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 | 433,000 | 822,000 | 1,216,000 | 1,605,000 |
| Interest expense | 62,000 | 123,000 | 184,000 | 245,000 |
| Net interest income | 371,000 | 699,000 | 1,032,000 | 1,360,000 |
| Noninterest income | 48,000 | 111,000 | 168,000 | 244,000 |
| Noninterest expense | 317,000 | 611,000 | 1,018,000 | 1,464,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 78,000 | 318,000 | 300,000 | 258,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 318,000 | 300,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,591,000 | 5,701,000 | 5,618,000 | 5,577,000 |
| Total capital | 5,884,000 | 5,993,000 | 5,911,000 | 5,885,000 |
| Risk-weighted assets | 22,942,000 | 22,831,000 | 22,917,000 | 24,158,000 |