Call reports 2012
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2012
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 61,050,000 | 60,813,000 | 60,563,000 | 62,642,000 |
| Total loans | 39,408,000 | 39,029,000 | 41,095,000 | 39,080,000 |
| Allowance for loan losses | 631,000 | 711,000 | 725,000 | 0 |
| Securities available for sale | 6,560,000 | 7,132,000 | 7,426,000 | 7,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,888,000 | 50,620,000 | 50,761,000 | 51,585,000 |
| Interest-bearing deposits | 33,891,000 | 32,328,000 | 35,093,000 | 37,277,000 |
| Noninterest-bearing deposits | 16,997,000 | 18,292,000 | 15,668,000 | 14,308,000 |
| Equity capital | 5,667,000 | 5,728,000 | 5,962,000 | 8,113,000 |
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 | 688,000 | 1,354,000 | 2,039,000 | 0 |
| Interest expense | 74,000 | 144,000 | 208,000 | 0 |
| Net interest income | 614,000 | 1,210,000 | 1,831,000 | 0 |
| Noninterest income | 114,000 | 230,000 | 479,000 | 0 |
| Noninterest expense | 458,000 | 913,000 | 1,364,000 | 0 |
| Provision for loan losses | 37,000 | 117,000 | 150,000 | 0 |
| Pretax income | 233,000 | 410,000 | 796,000 | 0 |
| Income tax | 1,000 | 1,000 | 1,000 | 0 |
| Net income | 232,000 | 409,000 | 795,000 | 0 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,510,000 | 5,519,000 | 5,742,000 | 5,531,000 |
| Total capital | 5,996,000 | 6,003,000 | 6,241,000 | 5,531,000 |
| Risk-weighted assets | 38,772,000 | 38,527,000 | 39,668,000 | 38,758,000 |