Call reports 2013
CITIZENS STATE BANK — 2013
What CITIZENS STATE BANK 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 | 351,943,000 | 343,508,000 | 346,404,000 | 357,890,000 |
| Total loans | 187,964,000 | 184,116,000 | 189,129,000 | 196,218,000 |
| Allowance for loan losses | 2,115,000 | 2,140,000 | 2,232,000 | 2,228,000 |
| Securities available for sale | 129,343,000 | 134,944,000 | 130,445,000 | 135,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,449,000 | 293,874,000 | 295,537,000 | 309,418,000 |
| Interest-bearing deposits | 261,199,000 | 255,112,000 | 255,739,000 | 264,683,000 |
| Noninterest-bearing deposits | 40,250,000 | 38,762,000 | 39,798,000 | 44,735,000 |
| Equity capital | 43,986,000 | 39,089,000 | 39,486,000 | 38,947,000 |
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 | 3,422,000 | 6,812,000 | 10,261,000 | 13,688,000 |
| Interest expense | 783,000 | 1,569,000 | 2,332,000 | 3,110,000 |
| Net interest income | 2,639,000 | 5,243,000 | 7,929,000 | 10,578,000 |
| Noninterest income | 666,000 | 1,319,000 | 1,829,000 | 2,376,000 |
| Noninterest expense | 1,764,000 | 3,371,000 | 4,957,000 | 6,734,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,581,000 | 3,228,000 | 4,872,000 | 6,398,000 |
| Income tax | 61,000 | 160,000 | 249,000 | 332,000 |
| Net income | 1,520,000 | 3,068,000 | 4,623,000 | 6,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,641,000 | 31,313,000 | 31,748,000 | 32,214,000 |
| Total capital | 33,756,000 | 33,453,000 | 33,980,000 | 34,442,000 |
| Risk-weighted assets | 237,889,000 | 236,800,000 | 242,004,000 | 251,611,000 |
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