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 | 347,374,000 | 278,957,000 | 262,063,000 | 247,549,000 |
| Total loans | 324,198,000 | 246,591,000 | 214,423,000 | 214,415,000 |
| Allowance for loan losses | 475,000 | 471,000 | 484,000 | 471,000 |
| Securities available for sale | 9,198,000 | 10,408,000 | 9,581,000 | 9,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,304,000 | 238,052,000 | 222,437,000 | 215,848,000 |
| Interest-bearing deposits | 290,089,000 | 229,691,000 | 214,133,000 | 206,983,000 |
| Noninterest-bearing deposits | 8,215,000 | 8,361,000 | 8,304,000 | 8,865,000 |
| Equity capital | 27,995,000 | 27,956,000 | 27,032,000 | 27,066,000 |
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 | 2,863,000 | 5,646,000 | 7,961,000 | 10,221,000 |
| Interest expense | 495,000 | 993,000 | 1,374,000 | 1,751,000 |
| Net interest income | 2,368,000 | 4,653,000 | 6,587,000 | 8,470,000 |
| Noninterest income | 106,000 | 186,000 | 324,000 | 385,000 |
| Noninterest expense | 669,000 | 1,359,000 | 2,168,000 | 3,031,000 |
| Provision for loan losses | 30,000 | 38,000 | 45,000 | 53,000 |
| Pretax income | 1,775,000 | 3,442,000 | 4,698,000 | 5,771,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,775,000 | 3,442,000 | 4,698,000 | 5,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,618,000 | 27,775,000 | 26,900,000 | 26,905,000 |
| Total capital | 28,093,000 | 28,246,000 | 27,384,000 | 27,376,000 |
| Risk-weighted assets | 143,832,000 | 253,876,000 | 200,848,000 | 219,325,000 |
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