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 | 81,809,000 | 81,976,000 | 81,168,000 | 80,425,000 |
| Total loans | 30,349,000 | 30,969,000 | 31,725,000 | 31,930,000 |
| Allowance for loan losses | 475,000 | 473,000 | 481,000 | 509,000 |
| Securities available for sale | 42,655,000 | 43,904,000 | 42,398,000 | 41,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,593,000 | 68,917,000 | 68,228,000 | 67,802,000 |
| Interest-bearing deposits | 59,252,000 | 60,648,000 | 60,620,000 | 59,481,000 |
| Noninterest-bearing deposits | 8,341,000 | 8,269,000 | 7,608,000 | 8,321,000 |
| Equity capital | 8,719,000 | 8,128,000 | 8,046,000 | 7,049,000 |
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 | 983,000 | 1,965,000 | 2,970,000 | 3,980,000 |
| Interest expense | 156,000 | 326,000 | 495,000 | 667,000 |
| Net interest income | 827,000 | 1,639,000 | 2,475,000 | 3,313,000 |
| Noninterest income | 222,000 | 502,000 | 735,000 | 845,000 |
| Noninterest expense | 726,000 | 1,511,000 | 2,217,000 | 2,887,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 120,000 |
| Pretax income | 487,000 | 841,000 | 1,189,000 | 1,391,000 |
| Income tax | 45,000 | 107,000 | 205,000 | 236,000 |
| Net income | 442,000 | 734,000 | 984,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,890,000 | 8,182,000 | 8,431,000 | 7,455,000 |
| Total capital | 8,336,000 | 8,632,000 | 8,885,000 | 7,903,000 |
| Risk-weighted assets | 35,391,000 | 35,948,000 | 36,477,000 | 35,866,000 |