Call reports 2012
CITIZENS STATE BANK — 2012
What CITIZENS STATE BANK 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 | 35,556,000 | 33,824,000 | 34,984,000 | 37,356,000 |
| Total loans | 10,112,000 | 14,298,000 | 17,410,000 | 12,192,000 |
| Allowance for loan losses | 176,000 | 176,000 | 176,000 | 176,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,594,000 | 13,509,000 | 12,440,000 | 12,906,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,004,000 | 31,240,000 | 32,321,000 | 34,684,000 |
| Interest-bearing deposits | 28,042,000 | 27,117,000 | 28,020,000 | 28,642,000 |
| Noninterest-bearing deposits | 4,962,000 | 4,123,000 | 4,301,000 | 6,042,000 |
| Equity capital | 2,376,000 | 2,384,000 | 2,458,000 | 2,497,000 |
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 | 201,000 | 458,000 | 771,000 | 1,045,000 |
| Interest expense | 81,000 | 153,000 | 210,000 | 261,000 |
| Net interest income | 120,000 | 305,000 | 561,000 | 784,000 |
| Noninterest income | 32,000 | 65,000 | 99,000 | 132,000 |
| Noninterest expense | 235,000 | 445,000 | 652,000 | 869,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -83,000 | -75,000 | 8,000 | 47,000 |
| Income tax | -18,000 | -18,000 | -23,000 | -22,000 |
| Net income | -65,000 | -57,000 | 31,000 | 69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,376,000 | 2,384,000 | 2,458,000 | 2,497,000 |
| Total capital | 2,552,000 | 2,560,000 | 2,634,000 | 2,673,000 |
| Risk-weighted assets | 18,830,000 | 19,511,000 | 20,094,000 | 18,497,000 |