Call reports 2012
CITIZENS STATE BANK OF LOYAL — 2012
What CITIZENS STATE BANK OF LOYAL 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 | 154,224,000 | 154,216,000 | 158,978,000 | 157,489,000 |
| Total loans | 93,611,000 | 97,454,000 | 97,698,000 | 93,212,000 |
| Allowance for loan losses | 1,215,000 | 1,229,000 | 1,168,000 | 1,200,000 |
| Securities available for sale | 43,102,000 | 44,258,000 | 43,860,000 | 42,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,403,000 | 116,451,000 | 122,187,000 | 120,628,000 |
| Interest-bearing deposits | 104,461,000 | 101,714,000 | 106,610,000 | 102,438,000 |
| Noninterest-bearing deposits | 13,942,000 | 14,736,000 | 15,577,000 | 18,191,000 |
| Equity capital | 16,076,000 | 16,490,000 | 17,056,000 | 17,165,000 |
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 | 1,621,000 | 3,190,000 | 4,925,000 | 6,473,000 |
| Interest expense | 421,000 | 826,000 | 1,217,000 | 1,585,000 |
| Net interest income | 1,200,000 | 2,364,000 | 3,708,000 | 4,888,000 |
| Noninterest income | 428,000 | 738,000 | 1,051,000 | 1,390,000 |
| Noninterest expense | 1,138,000 | 2,160,000 | 3,213,000 | 4,369,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 465,000 | 892,000 | 1,471,000 | 1,809,000 |
| Income tax | 105,000 | 129,000 | 198,000 | 185,000 |
| Net income | 360,000 | 763,000 | 1,273,000 | 1,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,331,000 | 15,534,000 | 16,044,000 | 16,196,000 |
| Total capital | 16,546,000 | 16,763,000 | 17,212,000 | 17,396,000 |
| Risk-weighted assets | 102,274,000 | 104,306,000 | 105,581,000 | 110,656,000 |