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 | 259,859,000 | 256,206,000 | 263,237,000 | 258,080,000 |
| Total loans | 154,047,000 | 156,367,000 | 168,493,000 | 181,194,000 |
| Allowance for loan losses | 2,148,000 | 2,151,000 | 2,154,000 | 2,394,000 |
| Securities available for sale | 86,624,000 | 81,609,000 | 79,511,000 | 57,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,785,000 | 210,677,000 | 208,876,000 | 200,257,000 |
| Interest-bearing deposits | 160,445,000 | 158,212,000 | 154,317,000 | 144,016,000 |
| Noninterest-bearing deposits | 53,341,000 | 52,465,000 | 54,559,000 | 56,240,000 |
| Equity capital | 27,507,000 | 28,087,000 | 29,300,000 | 29,037,000 |
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 | 2,833,000 | 5,599,000 | 8,490,000 | 11,441,000 |
| Interest expense | 479,000 | 911,000 | 1,300,000 | 1,660,000 |
| Net interest income | 2,354,000 | 4,688,000 | 7,190,000 | 9,781,000 |
| Noninterest income | 485,000 | 1,009,000 | 1,557,000 | 2,074,000 |
| Noninterest expense | 1,744,000 | 3,577,000 | 5,365,000 | 7,539,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 1,236,000 | 2,576,000 | 3,848,000 | 4,770,000 |
| Income tax | 355,000 | 754,000 | 1,154,000 | 1,369,000 |
| Net income | 881,000 | 1,822,000 | 2,694,000 | 3,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,778,000 | 27,718,000 | 28,590,000 | 28,582,000 |
| Total capital | 28,831,000 | 29,774,000 | 30,744,000 | 30,860,000 |
| Risk-weighted assets | 163,790,000 | 164,101,000 | 173,084,000 | 182,025,000 |