Call reports 2012
CITIZENS STATE BANK — 2012
What CITIZENS STATE BANK 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 | 80,766,000 | 82,240,000 | 81,745,000 | 83,691,000 |
| Total loans | 30,835,000 | 31,037,000 | 30,956,000 | 30,868,000 |
| Allowance for loan losses | 443,000 | 437,000 | 421,000 | 459,000 |
| Securities available for sale | 43,210,000 | 45,750,000 | 44,821,000 | 45,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,389,000 | 67,150,000 | 65,961,000 | 65,396,000 |
| Interest-bearing deposits | 58,532,000 | 58,905,000 | 58,415,000 | 57,943,000 |
| Noninterest-bearing deposits | 7,857,000 | 8,245,000 | 7,546,000 | 7,453,000 |
| Equity capital | 9,031,000 | 9,522,000 | 9,995,000 | 8,895,000 |
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 | 1,019,000 | 2,029,000 | 3,031,000 | 4,024,000 |
| Interest expense | 169,000 | 336,000 | 504,000 | 670,000 |
| Net interest income | 850,000 | 1,693,000 | 2,527,000 | 3,354,000 |
| Noninterest income | 199,000 | 384,000 | 570,000 | 741,000 |
| Noninterest expense | 668,000 | 1,352,000 | 2,054,000 | 2,755,000 |
| Provision for loan losses | 7,000 | 7,000 | 14,000 | 74,000 |
| Pretax income | 394,000 | 767,000 | 1,177,000 | 1,460,000 |
| Income tax | 71,000 | 146,000 | 231,000 | 285,000 |
| Net income | 323,000 | 621,000 | 946,000 | 1,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,112,000 | 8,410,000 | 8,735,000 | 7,819,000 |
| Total capital | 8,535,000 | 8,842,000 | 9,156,000 | 8,264,000 |
| Risk-weighted assets | 33,824,000 | 34,531,000 | 34,781,000 | 35,571,000 |