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 | 37,675,000 | 36,719,000 | 36,219,000 | 36,726,000 |
| Total loans | 16,251,000 | 15,083,000 | 14,099,000 | 12,965,000 |
| Allowance for loan losses | 340,000 | 350,000 | 319,000 | 310,000 |
| Securities available for sale | 5,713,000 | 5,207,000 | 5,816,000 | 6,197,000 |
| Securities held to maturity | 2,420,000 | 2,419,000 | 2,334,000 | 2,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,806,000 | 31,898,000 | 31,341,000 | 31,795,000 |
| Interest-bearing deposits | 25,655,000 | 25,021,000 | 24,502,000 | 25,120,000 |
| Noninterest-bearing deposits | 7,151,000 | 6,877,000 | 6,839,000 | 6,675,000 |
| Equity capital | 4,717,000 | 4,676,000 | 4,755,000 | 4,820,000 |
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 | 447,000 | 865,000 | 1,273,000 | 1,657,000 |
| Interest expense | 48,000 | 95,000 | 139,000 | 183,000 |
| Net interest income | 399,000 | 770,000 | 1,134,000 | 1,474,000 |
| Noninterest income | 37,000 | 79,000 | 115,000 | 152,000 |
| Noninterest expense | 237,000 | 463,000 | 710,000 | 960,000 |
| Provision for loan losses | 30,000 | 277,000 | 277,000 | 317,000 |
| Pretax income | 169,000 | 109,000 | 262,000 | 349,000 |
| Income tax | 54,000 | 84,000 | 134,000 | 134,000 |
| Net income | 115,000 | 25,000 | 128,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,661,000 | 4,556,000 | 4,659,000 | 4,731,000 |
| Total capital | 4,864,000 | 4,752,000 | 4,847,000 | 4,905,000 |
| Risk-weighted assets | 16,559,000 | 15,518,000 | 14,874,000 | 13,931,000 |