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 | 259,513,000 | 276,004,000 | 292,958,000 | 320,144,000 |
| Total loans | 197,900,000 | 224,526,000 | 240,243,000 | 259,718,000 |
| Allowance for loan losses | 2,413,000 | 2,659,000 | 2,660,000 | 2,896,000 |
| Securities available for sale | 43,763,000 | 32,483,000 | 29,893,000 | 28,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,937,000 | 198,299,000 | 201,006,000 | 206,917,000 |
| Interest-bearing deposits | 140,097,000 | 137,613,000 | 140,103,000 | 149,142,000 |
| Noninterest-bearing deposits | 58,840,000 | 60,685,000 | 60,904,000 | 57,775,000 |
| Equity capital | 29,821,000 | 30,443,000 | 30,443,000 | 31,219,000 |
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 | 2,932,000 | 5,977,000 | 9,249,000 | 12,759,000 |
| Interest expense | 320,000 | 720,000 | 1,154,000 | 1,598,000 |
| Net interest income | 2,612,000 | 5,257,000 | 8,095,000 | 11,161,000 |
| Noninterest income | 449,000 | 1,385,000 | 1,901,000 | 2,419,000 |
| Noninterest expense | 1,762,000 | 3,679,000 | 5,450,000 | 7,876,000 |
| Provision for loan losses | 0 | 250,000 | 250,000 | 502,000 |
| Pretax income | 1,338,000 | 2,751,000 | 4,334,000 | 5,241,000 |
| Income tax | 422,000 | 868,000 | 1,405,000 | 1,625,000 |
| Net income | 916,000 | 1,883,000 | 2,929,000 | 3,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,498,000 | 30,465,000 | 30,686,000 | 31,373,000 |
| Total capital | 31,911,000 | 33,124,000 | 33,346,000 | 34,269,000 |
| Risk-weighted assets | 196,028,000 | 220,484,000 | 234,703,000 | 252,002,000 |
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