Call reports 2013
CITIZENS STATE BANK, THE — 2013
What CITIZENS STATE BANK, THE 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 | 274,237,000 | 275,352,000 | 423,257,000 | 422,127,000 |
| Total loans | 133,126,000 | 138,068,000 | 191,255,000 | 195,478,000 |
| Allowance for loan losses | 1,831,000 | 1,834,000 | 2,212,000 | 2,298,000 |
| Securities available for sale | 76,995,000 | 72,738,000 | 139,063,000 | 144,921,000 |
| Securities held to maturity | 39,000 | 37,000 | 1,034,000 | 33,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,528,000 | 233,028,000 | 349,550,000 | 338,569,000 |
| Interest-bearing deposits | 196,553,000 | 198,576,000 | 294,046,000 | 284,221,000 |
| Noninterest-bearing deposits | 33,975,000 | 34,452,000 | 55,504,000 | 54,348,000 |
| Equity capital | 23,161,000 | 22,780,000 | 43,176,000 | 43,577,000 |
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 | 2,254,000 | 4,487,000 | 10,848,000 | 14,198,000 |
| Interest expense | 316,000 | 621,000 | 1,467,000 | 1,936,000 |
| Net interest income | 1,938,000 | 3,866,000 | 9,381,000 | 12,262,000 |
| Noninterest income | 235,000 | 618,000 | 1,554,000 | 2,189,000 |
| Noninterest expense | 1,284,000 | 2,670,000 | 7,036,000 | 9,612,000 |
| Provision for loan losses | 0 | 0 | 180,000 | 240,000 |
| Pretax income | 894,000 | 1,822,000 | 3,733,000 | 4,613,000 |
| Income tax | 247,000 | 472,000 | 1,098,000 | 1,023,000 |
| Net income | 647,000 | 1,350,000 | 2,635,000 | 3,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,474,000 | 22,927,000 | 39,097,000 | 39,838,000 |
| Total capital | 24,305,000 | 24,761,000 | 41,309,000 | 42,136,000 |
| Risk-weighted assets | 184,357,000 | 168,966,000 | 274,634,000 | 291,913,000 |
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