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 | 109,686,000 | 107,979,000 | 109,554,000 | 114,011,000 |
| Total loans | 60,036,000 | 58,756,000 | 57,739,000 | 58,107,000 |
| Allowance for loan losses | 604,000 | 677,000 | 644,000 | 655,000 |
| Securities available for sale | 37,192,000 | 35,196,000 | 35,057,000 | 42,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,413,000 | 96,499,000 | 97,956,000 | 102,210,000 |
| Interest-bearing deposits | 77,221,000 | 75,012,000 | 76,614,000 | 76,508,000 |
| Noninterest-bearing deposits | 20,192,000 | 21,487,000 | 21,342,000 | 25,702,000 |
| Equity capital | 11,887,000 | 11,018,000 | 10,944,000 | 10,995,000 |
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 | 1,283,000 | 2,773,000 | 4,026,000 | 5,309,000 |
| Interest expense | 194,000 | 374,000 | 538,000 | 699,000 |
| Net interest income | 1,089,000 | 2,399,000 | 3,488,000 | 4,610,000 |
| Noninterest income | 172,000 | 346,000 | 580,000 | 795,000 |
| Noninterest expense | 687,000 | 1,429,000 | 2,154,000 | 2,865,000 |
| Provision for loan losses | 105,000 | 265,000 | 325,000 | 385,000 |
| Pretax income | 469,000 | 1,051,000 | 1,589,000 | 2,155,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 469,000 | 1,051,000 | 1,589,000 | 2,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,416,000 | 11,208,000 | 11,547,000 | 11,594,000 |
| Total capital | 12,020,000 | 11,885,000 | 12,191,000 | 12,249,000 |
| Risk-weighted assets | 63,482,000 | 62,162,000 | 61,940,000 | 63,323,000 |
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