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 | 108,648,000 | 107,494,000 | 107,341,000 | 110,044,000 |
| Total loans | 59,065,000 | 58,520,000 | 60,860,000 | 61,828,000 |
| Allowance for loan losses | 696,000 | 674,000 | 717,000 | 707,000 |
| Securities available for sale | 36,383,000 | 35,806,000 | 32,643,000 | 31,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,539,000 | 95,511,000 | 95,081,000 | 97,634,000 |
| Interest-bearing deposits | 77,489,000 | 76,188,000 | 75,442,000 | 75,765,000 |
| Noninterest-bearing deposits | 19,050,000 | 19,323,000 | 19,639,000 | 21,869,000 |
| Equity capital | 11,695,000 | 11,454,000 | 11,645,000 | 11,535,000 |
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 | 1,399,000 | 2,743,000 | 4,089,000 | 5,426,000 |
| Interest expense | 220,000 | 434,000 | 642,000 | 848,000 |
| Net interest income | 1,179,000 | 2,309,000 | 3,447,000 | 4,578,000 |
| Noninterest income | 203,000 | 384,000 | 568,000 | 765,000 |
| Noninterest expense | 738,000 | 1,533,000 | 2,255,000 | 2,936,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 200,000 |
| Pretax income | 599,000 | 1,070,000 | 1,625,000 | 2,207,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 599,000 | 1,070,000 | 1,625,000 | 2,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,105,000 | 10,701,000 | 10,832,000 | 10,947,000 |
| Total capital | 11,801,000 | 11,375,000 | 11,549,000 | 11,654,000 |
| Risk-weighted assets | 62,945,000 | 62,456,000 | 63,798,000 | 64,892,000 |