Call reports 2013
CITIZENS STATE BANK OF FINLEY, THE — 2013
What CITIZENS STATE BANK OF FINLEY, THE 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 | 136,893,000 | 127,652,000 | 130,054,000 | 129,089,000 |
| Total loans | 66,507,000 | 74,892,000 | 82,976,000 | 77,416,000 |
| Allowance for loan losses | 1,359,000 | 1,366,000 | 1,375,000 | 1,384,000 |
| Securities available for sale | 24,773,000 | 23,729,000 | 20,108,000 | 19,668,000 |
| Securities held to maturity | 19,036,000 | 18,371,000 | 17,531,000 | 18,919,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,460,000 | 96,504,000 | 94,146,000 | 102,642,000 |
| Interest-bearing deposits | 86,486,000 | 78,144,000 | 73,951,000 | 75,164,000 |
| Noninterest-bearing deposits | 22,974,000 | 18,360,000 | 20,195,000 | 27,478,000 |
| Equity capital | 10,540,000 | 9,747,000 | 10,111,000 | 10,370,000 |
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 | 1,092,000 | 2,159,000 | 3,300,000 | 4,436,000 |
| Interest expense | 124,000 | 246,000 | 360,000 | 474,000 |
| Net interest income | 968,000 | 1,913,000 | 2,940,000 | 3,962,000 |
| Noninterest income | 162,000 | 387,000 | 783,000 | 1,229,000 |
| Noninterest expense | 988,000 | 1,928,000 | 2,933,000 | 4,035,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 142,000 | 372,000 | 829,000 | 1,195,000 |
| Income tax | 17,000 | 16,000 | 16,000 | 19,000 |
| Net income | 125,000 | 356,000 | 813,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,140,000 | 10,148,000 | 10,546,000 | 10,854,000 |
| Total capital | 11,077,000 | 11,144,000 | 11,654,000 | 11,933,000 |
| Risk-weighted assets | 74,569,000 | 79,296,000 | 88,407,000 | 86,023,000 |