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 | 92,732,000 | 91,770,000 | 90,721,000 | 86,366,000 |
| Total loans | 51,751,000 | 47,985,000 | 52,746,000 | 53,005,000 |
| Allowance for loan losses | 865,000 | 925,000 | 871,000 | 751,000 |
| Securities available for sale | 23,462,000 | 15,807,000 | 14,664,000 | 14,313,000 |
| Securities held to maturity | 2,297,000 | 1,296,000 | 1,294,000 | 1,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,111,000 | 71,778,000 | 70,824,000 | 67,271,000 |
| Interest-bearing deposits | 67,115,000 | 66,077,000 | 65,299,000 | 61,338,000 |
| Noninterest-bearing deposits | 5,996,000 | 5,701,000 | 5,525,000 | 5,933,000 |
| Equity capital | 10,328,000 | 10,759,000 | 10,562,000 | 9,855,000 |
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 | 1,226,000 | 2,408,000 | 3,361,000 | 4,394,000 |
| Interest expense | 379,000 | 715,000 | 1,029,000 | 1,325,000 |
| Net interest income | 847,000 | 1,693,000 | 2,332,000 | 3,069,000 |
| Noninterest income | 50,000 | 410,000 | 451,000 | 486,000 |
| Noninterest expense | 382,000 | 832,000 | 1,595,000 | 2,008,000 |
| Provision for loan losses | 207,000 | 442,000 | 442,000 | 442,000 |
| Pretax income | 308,000 | 1,008,000 | 925,000 | 1,284,000 |
| Income tax | 6,000 | 24,000 | 42,000 | 56,000 |
| Net income | 302,000 | 984,000 | 883,000 | 1,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,128,000 | 10,609,000 | 10,317,000 | 9,664,000 |
| Total capital | 10,802,000 | 11,250,000 | 11,002,000 | 10,339,000 |
| Risk-weighted assets | 53,772,000 | 50,970,000 | 54,632,000 | 53,959,000 |
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