Call reports 2012
CITIZENS STATE BANK, THE — 2012
What CITIZENS STATE BANK, THE 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 | 257,134,000 | 258,518,000 | 268,779,000 | 275,769,000 |
| Total loans | 121,488,000 | 118,901,000 | 121,553,000 | 134,958,000 |
| Allowance for loan losses | 1,713,000 | 1,719,000 | 1,719,000 | 1,829,000 |
| Securities available for sale | 51,754,000 | 57,414,000 | 76,298,000 | 75,485,000 |
| Securities held to maturity | 48,000 | 43,000 | 157,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,506,000 | 217,740,000 | 227,755,000 | 224,440,000 |
| Interest-bearing deposits | 184,802,000 | 184,502,000 | 191,535,000 | 189,692,000 |
| Noninterest-bearing deposits | 31,704,000 | 33,238,000 | 36,220,000 | 34,748,000 |
| Equity capital | 22,168,000 | 22,289,000 | 22,596,000 | 22,751,000 |
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 | 2,210,000 | 4,478,000 | 6,634,000 | 8,913,000 |
| Interest expense | 377,000 | 754,000 | 1,116,000 | 1,540,000 |
| Net interest income | 1,833,000 | 3,724,000 | 5,518,000 | 7,373,000 |
| Noninterest income | 224,000 | 487,000 | 910,000 | 1,123,000 |
| Noninterest expense | 1,376,000 | 2,632,000 | 3,978,000 | 5,351,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 682,000 | 1,585,000 | 2,466,000 | 3,070,000 |
| Income tax | 182,000 | 434,000 | 684,000 | 746,000 |
| Net income | 500,000 | 1,151,000 | 1,782,000 | 2,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,503,000 | 21,654,000 | 21,785,000 | 22,076,000 |
| Total capital | 23,216,000 | 23,373,000 | 23,504,000 | 23,905,000 |
| Risk-weighted assets | 166,279,000 | 170,332,000 | 173,402,000 | 176,433,000 |
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