Call reports 2012
CITIZENS STATE BANK — 2012
What CITIZENS STATE BANK 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 | 323,149,000 | 326,059,000 | 325,376,000 | 348,274,000 |
| Total loans | 198,455,000 | 193,364,000 | 195,154,000 | 194,355,000 |
| Allowance for loan losses | 1,912,000 | 1,894,000 | 1,999,000 | 2,031,000 |
| Securities available for sale | 96,819,000 | 107,999,000 | 103,729,000 | 122,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,601,000 | 272,302,000 | 274,609,000 | 293,150,000 |
| Interest-bearing deposits | 235,782,000 | 235,553,000 | 236,212,000 | 248,542,000 |
| Noninterest-bearing deposits | 37,820,000 | 36,748,000 | 38,397,000 | 44,608,000 |
| Equity capital | 41,676,000 | 41,928,000 | 43,127,000 | 43,097,000 |
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 | 3,663,000 | 7,286,000 | 10,934,000 | 14,549,000 |
| Interest expense | 928,000 | 1,812,000 | 2,636,000 | 3,465,000 |
| Net interest income | 2,735,000 | 5,474,000 | 8,298,000 | 11,084,000 |
| Noninterest income | 579,000 | 1,086,000 | 1,681,000 | 2,250,000 |
| Noninterest expense | 1,615,000 | 3,191,000 | 4,743,000 | 6,386,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 200,000 |
| Pretax income | 1,699,000 | 3,369,000 | 5,133,000 | 6,812,000 |
| Income tax | 86,000 | 162,000 | 262,000 | 342,000 |
| Net income | 1,613,000 | 3,207,000 | 4,871,000 | 6,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,560,000 | 29,256,000 | 29,632,000 | 30,121,000 |
| Total capital | 31,472,000 | 31,150,000 | 31,631,000 | 32,152,000 |
| Risk-weighted assets | 234,952,000 | 235,024,000 | 237,354,000 | 241,988,000 |
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