Call reports 2012
CITIZENS STATE BANK OF FINLEY, THE — 2012
What CITIZENS STATE BANK OF FINLEY, THE 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 | 125,853,000 | 129,633,000 | 134,753,000 | 135,650,000 |
| Total loans | 68,614,000 | 82,780,000 | 78,371,000 | 72,567,000 |
| Allowance for loan losses | 1,401,000 | 1,409,000 | 1,415,000 | 1,422,000 |
| Securities available for sale | 16,022,000 | 15,783,000 | 17,367,000 | 21,537,000 |
| Securities held to maturity | 19,979,000 | 18,451,000 | 17,005,000 | 18,682,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,650,000 | 88,501,000 | 91,824,000 | 100,061,000 |
| Interest-bearing deposits | 77,689,000 | 73,996,000 | 74,125,000 | 76,800,000 |
| Noninterest-bearing deposits | 16,961,000 | 14,505,000 | 17,699,000 | 23,261,000 |
| Equity capital | 9,893,000 | 10,193,000 | 10,489,000 | 10,541,000 |
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 | 1,155,000 | 2,393,000 | 3,676,000 | 4,887,000 |
| Interest expense | 150,000 | 292,000 | 451,000 | 600,000 |
| Net interest income | 1,005,000 | 2,101,000 | 3,225,000 | 4,287,000 |
| Noninterest income | 210,000 | 429,000 | 666,000 | 902,000 |
| Noninterest expense | 979,000 | 1,953,000 | 2,964,000 | 3,945,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 238,000 | 591,000 | 952,000 | 1,275,000 |
| Income tax | 0 | 0 | 0 | 98,000 |
| Net income | 238,000 | 591,000 | 952,000 | 1,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,378,000 | 9,647,000 | 9,922,000 | 10,062,000 |
| Total capital | 10,383,000 | 10,758,000 | 11,003,000 | 11,084,000 |
| Risk-weighted assets | 79,986,000 | 88,592,000 | 86,118,000 | 81,280,000 |