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 | 76,207,000 | 74,357,000 | 70,713,000 | 70,729,000 |
| Total loans | 15,939,000 | 15,410,000 | 14,181,000 | 13,155,000 |
| Allowance for loan losses | 794,000 | 793,000 | 791,000 | 543,000 |
| Securities available for sale | 50,308,000 | 50,472,000 | 47,824,000 | 45,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,171,000 | 65,902,000 | 62,000,000 | 62,782,000 |
| Interest-bearing deposits | 58,688,000 | 57,236,000 | 53,542,000 | 54,010,000 |
| Noninterest-bearing deposits | 9,483,000 | 8,666,000 | 8,458,000 | 8,773,000 |
| Equity capital | 7,287,000 | 7,709,000 | 7,965,000 | 7,315,000 |
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 | 646,000 | 1,294,000 | 1,898,000 | 2,443,000 |
| Interest expense | 137,000 | 259,000 | 371,000 | 457,000 |
| Net interest income | 509,000 | 1,035,000 | 1,527,000 | 1,986,000 |
| Noninterest income | 153,000 | 268,000 | 381,000 | 495,000 |
| Noninterest expense | 600,000 | 1,168,000 | 1,754,000 | 2,393,000 |
| Provision for loan losses | 0 | 0 | 0 | -216,000 |
| Pretax income | 163,000 | 244,000 | 338,000 | 295,000 |
| Income tax | 0 | 0 | 0 | 82,000 |
| Net income | 163,000 | 244,000 | 338,000 | 213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,298,000 | 6,153,000 | 6,303,000 | 5,943,000 |
| Total capital | 6,708,000 | 6,550,000 | 6,686,000 | 6,320,000 |
| Risk-weighted assets | 32,425,000 | 31,350,000 | 30,231,000 | 30,005,000 |