Call reports 2013
CITIZENS STATE BANK — 2013
What CITIZENS STATE BANK 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 | 35,455,000 | 32,306,000 | 32,017,000 | 35,640,000 |
| Total loans | 9,254,000 | 11,819,000 | 13,693,000 | 11,548,000 |
| Allowance for loan losses | 176,000 | 165,000 | 172,000 | 173,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,992,000 | 11,786,000 | 11,136,000 | 11,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,811,000 | 29,568,000 | 29,222,000 | 32,932,000 |
| Interest-bearing deposits | 27,168,000 | 24,908,000 | 24,225,000 | 25,553,000 |
| Noninterest-bearing deposits | 5,643,000 | 4,660,000 | 4,997,000 | 7,379,000 |
| Equity capital | 2,489,000 | 2,556,000 | 2,590,000 | 2,539,000 |
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 | 186,000 | 389,000 | 631,000 | 861,000 |
| Interest expense | 45,000 | 85,000 | 121,000 | 155,000 |
| Net interest income | 141,000 | 304,000 | 510,000 | 706,000 |
| Noninterest income | 34,000 | 110,000 | 139,000 | 106,000 |
| Noninterest expense | 192,000 | 368,000 | 538,000 | 735,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -17,000 | 46,000 | 111,000 | 45,000 |
| Income tax | -9,000 | -13,000 | 1,000 | -13,000 |
| Net income | -8,000 | 59,000 | 110,000 | 58,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,489,000 | 2,556,000 | 2,590,000 | 2,539,000 |
| Total capital | 2,665,000 | 2,721,000 | 2,762,000 | 2,712,000 |
| Risk-weighted assets | 17,855,000 | 16,205,000 | 16,583,000 | 16,631,000 |