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 | 322,560,000 | 325,286,000 | 329,459,000 | 335,720,000 |
| Total loans | 250,177,000 | 266,620,000 | 267,988,000 | 276,538,000 |
| Allowance for loan losses | 4,006,000 | 4,155,000 | 4,301,000 | 4,419,000 |
| Securities available for sale | 40,453,000 | 40,824,000 | 40,281,000 | 37,223,000 |
| Securities held to maturity | 324,000 | 311,000 | 224,000 | 212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,615,000 | 276,008,000 | 270,882,000 | 284,888,000 |
| Interest-bearing deposits | 240,302,000 | 233,539,000 | 230,119,000 | 228,144,000 |
| Noninterest-bearing deposits | 47,313,000 | 42,469,000 | 40,763,000 | 56,744,000 |
| Equity capital | 30,145,000 | 29,415,000 | 30,041,000 | 30,265,000 |
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 | 3,464,000 | 6,928,000 | 10,499,000 | 14,099,000 |
| Interest expense | 586,000 | 1,146,000 | 1,706,000 | 2,271,000 |
| Net interest income | 2,878,000 | 5,782,000 | 8,793,000 | 11,828,000 |
| Noninterest income | 220,000 | 431,000 | 769,000 | 1,092,000 |
| Noninterest expense | 1,817,000 | 3,545,000 | 5,363,000 | 7,309,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,174,000 | 2,411,000 | 3,792,000 | 5,046,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,174,000 | 2,411,000 | 3,792,000 | 5,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,134,000 | 27,656,000 | 28,246,000 | 28,690,000 |
| Total capital | 30,425,000 | 31,101,000 | 31,758,000 | 32,341,000 |
| Risk-weighted assets | 262,485,000 | 274,795,000 | 280,102,000 | 291,248,000 |
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