Call reports 2012
CITIZENS FIRST STATE BANK OF WALNUT — 2012
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 57,699,000 | 59,254,000 | 57,197,000 | 59,462,000 |
| Total loans | 28,982,000 | 30,508,000 | 30,449,000 | 29,261,000 |
| Allowance for loan losses | 1,056,000 | 1,096,000 | 1,151,000 | 1,082,000 |
| Securities available for sale | 18,394,000 | 20,781,000 | 20,878,000 | 19,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,220,000 | 53,910,000 | 51,707,000 | 55,347,000 |
| Interest-bearing deposits | 44,853,000 | 46,571,000 | 45,313,000 | 46,203,000 |
| Noninterest-bearing deposits | 7,367,000 | 7,339,000 | 6,394,000 | 9,144,000 |
| Equity capital | 3,879,000 | 3,788,000 | 3,944,000 | 3,805,000 |
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 | 499,000 | 986,000 | 1,511,000 | 2,009,000 |
| Interest expense | 121,000 | 242,000 | 358,000 | 454,000 |
| Net interest income | 378,000 | 744,000 | 1,153,000 | 1,555,000 |
| Noninterest income | 47,000 | 86,000 | 134,000 | 169,000 |
| Noninterest expense | 588,000 | 1,008,000 | 1,430,000 | 1,966,000 |
| Provision for loan losses | 89,000 | 129,000 | 149,000 | 58,000 |
| Pretax income | -252,000 | -307,000 | -292,000 | -300,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -252,000 | -307,000 | -292,000 | -300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,271,000 | 3,216,000 | 3,231,000 | 3,318,000 |
| Total capital | 3,650,000 | 3,605,000 | 3,612,000 | 3,684,000 |
| Risk-weighted assets | 30,322,000 | 33,195,000 | 31,018,000 | 28,567,000 |