Call reports 2013
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2013
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 61,210,000 | 61,584,000 | 62,790,000 | 62,876,000 |
| Total loans | 39,864,000 | 37,582,000 | 37,669,000 | 39,708,000 |
| Allowance for loan losses | 66,000 | 142,000 | 143,000 | 169,000 |
| Securities available for sale | 7,431,000 | 7,930,000 | 10,133,000 | 10,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,210,000 | 50,758,000 | 51,781,000 | 51,647,000 |
| Interest-bearing deposits | 36,535,000 | 36,901,000 | 37,360,000 | 38,899,000 |
| Noninterest-bearing deposits | 13,675,000 | 13,857,000 | 14,421,000 | 12,748,000 |
| Equity capital | 8,054,000 | 7,927,000 | 8,113,000 | 8,432,000 |
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 | 643,000 | 1,278,000 | 1,941,000 | 2,842,000 |
| Interest expense | 59,000 | 117,000 | 175,000 | 231,000 |
| Net interest income | 584,000 | 1,161,000 | 1,766,000 | 2,611,000 |
| Noninterest income | 98,000 | 222,000 | 336,000 | 453,000 |
| Noninterest expense | 462,000 | 915,000 | 1,351,000 | 1,759,000 |
| Provision for loan losses | 72,000 | 144,000 | 216,000 | 264,000 |
| Pretax income | 148,000 | 324,000 | 535,000 | 1,041,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 148,000 | 324,000 | 535,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,296,000 | 6,322,000 | 6,429,000 | 5,444,000 |
| Total capital | 6,362,000 | 6,464,000 | 6,572,000 | 5,613,000 |
| Risk-weighted assets | 39,333,000 | 37,186,000 | 37,685,000 | 40,298,000 |
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