Call reports 2013
CITIZENS STATE BANK OF LOYAL — 2013
What CITIZENS STATE BANK OF LOYAL 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 | 185,761,000 | 180,131,000 | 178,268,000 | 184,377,000 |
| Total loans | 114,887,000 | 112,285,000 | 109,506,000 | 109,872,000 |
| Allowance for loan losses | 1,299,000 | 1,369,000 | 1,472,000 | 1,569,000 |
| Securities available for sale | 51,677,000 | 49,933,000 | 50,534,000 | 56,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,809,000 | 144,384,000 | 142,302,000 | 148,547,000 |
| Interest-bearing deposits | 126,986,000 | 124,717,000 | 123,598,000 | 126,941,000 |
| Noninterest-bearing deposits | 18,823,000 | 19,667,000 | 18,704,000 | 21,605,000 |
| Equity capital | 20,371,000 | 19,808,000 | 19,953,000 | 19,791,000 |
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 | 1,761,000 | 3,710,000 | 5,626,000 | 7,516,000 |
| Interest expense | 374,000 | 729,000 | 1,059,000 | 1,416,000 |
| Net interest income | 1,387,000 | 2,981,000 | 4,567,000 | 6,100,000 |
| Noninterest income | 870,000 | 1,275,000 | 1,525,000 | 1,830,000 |
| Noninterest expense | 1,359,000 | 2,626,000 | 3,876,000 | 5,080,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 808,000 | 1,450,000 | 1,946,000 | 2,490,000 |
| Income tax | 13,000 | 147,000 | 268,000 | 410,000 |
| Net income | 795,000 | 1,303,000 | 1,678,000 | 2,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,269,000 | 19,387,000 | 19,774,000 | 19,792,000 |
| Total capital | 20,568,000 | 20,756,000 | 21,246,000 | 21,361,000 |
| Risk-weighted assets | 141,196,000 | 138,600,000 | 136,355,000 | 138,754,000 |