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 | 37,230,000 | 36,432,000 | 36,547,000 | 37,272,000 |
| Total loans | 11,876,000 | 11,007,000 | 10,851,000 | 10,341,000 |
| Allowance for loan losses | 364,000 | 343,000 | 247,000 | 362,000 |
| Securities available for sale | 6,690,000 | 6,145,000 | 6,151,000 | 5,950,000 |
| Securities held to maturity | 2,333,000 | 2,332,000 | 2,077,000 | 2,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,274,000 | 31,722,000 | 31,829,000 | 32,783,000 |
| Interest-bearing deposits | 25,410,000 | 25,478,000 | 26,029,000 | 26,840,000 |
| Noninterest-bearing deposits | 6,864,000 | 6,244,000 | 5,800,000 | 5,943,000 |
| Equity capital | 4,863,000 | 4,653,000 | 4,615,000 | 4,248,000 |
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 | 356,000 | 691,000 | 1,013,000 | 1,317,000 |
| Interest expense | 44,000 | 87,000 | 132,000 | 178,000 |
| Net interest income | 312,000 | 604,000 | 881,000 | 1,139,000 |
| Noninterest income | 37,000 | 78,000 | 116,000 | 169,000 |
| Noninterest expense | 274,000 | 513,000 | 734,000 | 1,148,000 |
| Provision for loan losses | 0 | 0 | 0 | 135,000 |
| Pretax income | 75,000 | 169,000 | 263,000 | 25,000 |
| Income tax | 0 | 0 | 5,000 | 0 |
| Net income | 75,000 | 169,000 | 258,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,806,000 | 4,885,000 | 4,974,000 | 4,741,000 |
| Total capital | 4,972,000 | 5,041,000 | 5,067,000 | 4,891,000 |
| Risk-weighted assets | 13,065,000 | 12,312,000 | 12,181,000 | 11,752,000 |