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 | 166,104,000 | 243,001,000 | 327,425,000 | 344,166,000 |
| Total loans | 147,337,000 | 223,368,000 | 305,725,000 | 321,347,000 |
| Allowance for loan losses | 348,000 | 368,000 | 380,000 | 431,000 |
| Securities available for sale | 8,570,000 | 8,199,000 | 10,046,000 | 9,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,058,000 | 195,733,000 | 268,705,000 | 273,198,000 |
| Interest-bearing deposits | 140,146,000 | 171,939,000 | 238,549,000 | 252,051,000 |
| Noninterest-bearing deposits | 8,912,000 | 23,794,000 | 30,156,000 | 21,147,000 |
| Equity capital | 13,346,000 | 18,045,000 | 25,315,000 | 26,702,000 |
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 | 1,750,000 | 3,473,000 | 6,004,000 | 8,933,000 |
| Interest expense | 273,000 | 527,000 | 870,000 | 1,294,000 |
| Net interest income | 1,477,000 | 2,946,000 | 5,134,000 | 7,639,000 |
| Noninterest income | 114,000 | 219,000 | 342,000 | 487,000 |
| Noninterest expense | 578,000 | 1,180,000 | 1,773,000 | 2,460,000 |
| Provision for loan losses | 0 | 20,000 | 35,000 | 85,000 |
| Pretax income | 1,057,000 | 2,009,000 | 3,712,000 | 5,625,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,057,000 | 2,009,000 | 3,712,000 | 5,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,966,000 | 17,651,000 | 24,855,000 | 26,289,000 |
| Total capital | 13,314,000 | 18,019,000 | 25,235,000 | 26,720,000 |
| Risk-weighted assets | 74,252,000 | 104,521,000 | 137,029,000 | 139,055,000 |
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