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 | 86,536,000 | 87,089,000 | 86,309,000 | 84,572,000 |
| Total loans | 54,459,000 | 58,557,000 | 48,125,000 | 49,784,000 |
| Allowance for loan losses | 817,000 | 756,000 | 809,000 | 682,000 |
| Securities available for sale | 13,530,000 | 16,900,000 | 17,134,000 | 20,246,000 |
| Securities held to maturity | 1,290,000 | 1,287,000 | 1,285,000 | 1,284,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,103,000 | 66,903,000 | 67,159,000 | 65,415,000 |
| Interest-bearing deposits | 61,049,000 | 61,183,000 | 61,609,000 | 59,541,000 |
| Noninterest-bearing deposits | 6,054,000 | 5,720,000 | 5,550,000 | 5,874,000 |
| Equity capital | 9,305,000 | 9,019,000 | 9,030,000 | 9,008,000 |
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 | 925,000 | 1,929,000 | 2,987,000 | 3,836,000 |
| Interest expense | 262,000 | 554,000 | 845,000 | 1,106,000 |
| Net interest income | 663,000 | 1,375,000 | 2,142,000 | 2,730,000 |
| Noninterest income | 27,000 | 34,000 | -46,000 | -16,000 |
| Noninterest expense | 427,000 | 815,000 | 1,224,000 | 1,607,000 |
| Provision for loan losses | 100,000 | 180,000 | 230,000 | 260,000 |
| Pretax income | 163,000 | 414,000 | 642,000 | 847,000 |
| Income tax | 18,000 | 23,000 | 41,000 | 49,000 |
| Net income | 145,000 | 391,000 | 601,000 | 798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,157,000 | 9,390,000 | 9,536,000 | 9,665,000 |
| Total capital | 9,857,000 | 10,128,000 | 10,176,000 | 10,314,000 |
| Risk-weighted assets | 55,895,000 | 59,067,000 | 51,025,000 | 51,874,000 |
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