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 | 72,018,000 | 71,674,000 | 69,815,000 | 70,277,000 |
| Total loans | 12,361,000 | 12,161,000 | 12,073,000 | 12,143,000 |
| Allowance for loan losses | 540,000 | 536,000 | 539,000 | 529,000 |
| Securities available for sale | 51,270,000 | 51,368,000 | 48,974,000 | 47,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,152,000 | 61,503,000 | 58,723,000 | 62,339,000 |
| Interest-bearing deposits | 55,046,000 | 53,256,000 | 50,040,000 | 53,729,000 |
| Noninterest-bearing deposits | 9,106,000 | 8,248,000 | 8,683,000 | 8,611,000 |
| Equity capital | 7,167,000 | 5,837,000 | 5,373,000 | 4,798,000 |
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 | 575,000 | 1,159,000 | 1,759,000 | 2,306,000 |
| Interest expense | 72,000 | 139,000 | 206,000 | 271,000 |
| Net interest income | 503,000 | 1,020,000 | 1,553,000 | 2,035,000 |
| Noninterest income | 122,000 | 225,000 | 203,000 | 424,000 |
| Noninterest expense | 530,000 | 980,000 | 1,498,000 | 2,254,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 299,000 | 361,000 | 594,000 |
| Income tax | 0 | 0 | 0 | 185,000 |
| Net income | 129,000 | 299,000 | 361,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,878,000 | 5,319,000 | 5,098,000 | 5,008,000 |
| Total capital | 6,253,000 | 5,710,000 | 5,296,000 | 5,219,000 |
| Risk-weighted assets | 29,803,000 | 31,125,000 | 29,364,000 | 30,109,000 |