Call reports 2013
CITIZENS FIRST STATE BANK OF WALNUT — 2013
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 57,029,000 | 54,827,000 | 55,138,000 | 55,546,000 |
| Total loans | 27,602,000 | 28,054,000 | 29,657,000 | 28,625,000 |
| Allowance for loan losses | 845,000 | 767,000 | 793,000 | 876,000 |
| Securities available for sale | 20,562,000 | 20,461,000 | 20,033,000 | 18,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,917,000 | 51,150,000 | 50,291,000 | 52,200,000 |
| Interest-bearing deposits | 45,069,000 | 43,848,000 | 42,821,000 | 43,368,000 |
| Noninterest-bearing deposits | 7,848,000 | 7,302,000 | 7,470,000 | 8,832,000 |
| Equity capital | 3,792,000 | 3,451,000 | 3,393,000 | 3,064,000 |
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 | 445,000 | 908,000 | 1,379,000 | 1,830,000 |
| Interest expense | 83,000 | 161,000 | 235,000 | 306,000 |
| Net interest income | 362,000 | 747,000 | 1,144,000 | 1,524,000 |
| Noninterest income | 50,000 | 81,000 | 112,000 | 148,000 |
| Noninterest expense | 389,000 | 823,000 | 1,200,000 | 1,865,000 |
| Provision for loan losses | 20,000 | 30,000 | 170,000 | 170,000 |
| Pretax income | 3,000 | -25,000 | -114,000 | -363,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | -25,000 | -114,000 | -363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,312,000 | 3,292,000 | 3,203,000 | 3,227,000 |
| Total capital | 3,633,000 | 3,622,000 | 3,559,000 | 3,576,000 |
| Risk-weighted assets | 27,177,000 | 28,224,000 | 28,604,000 | 27,349,000 |