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 | 54,711,000 | 51,913,000 | 53,235,000 | 51,315,000 |
| Total loans | 16,545,000 | 16,069,000 | 16,263,000 | 15,929,000 |
| Allowance for loan losses | 425,000 | 569,000 | 663,000 | 635,000 |
| Securities available for sale | 22,700,000 | 20,145,000 | 17,923,000 | 16,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,726,000 | 44,394,000 | 45,941,000 | 44,060,000 |
| Interest-bearing deposits | 37,882,000 | 36,166,000 | 38,375,000 | 35,867,000 |
| Noninterest-bearing deposits | 8,844,000 | 8,228,000 | 7,566,000 | 8,193,000 |
| Equity capital | 7,884,000 | 7,420,000 | 7,194,000 | 7,205,000 |
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 | 426,000 | 844,000 | 1,246,000 | 1,621,000 |
| Interest expense | 27,000 | 53,000 | 76,000 | 96,000 |
| Net interest income | 399,000 | 791,000 | 1,170,000 | 1,525,000 |
| Noninterest income | 36,000 | -244,000 | -279,000 | -249,000 |
| Noninterest expense | 447,000 | 874,000 | 1,330,000 | 1,763,000 |
| Provision for loan losses | 0 | 115,000 | 195,000 | 215,000 |
| Pretax income | -12,000 | -442,000 | -634,000 | -702,000 |
| Income tax | 0 | 0 | 0 | -109,000 |
| Net income | -12,000 | -442,000 | -634,000 | -593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,563,000 | 7,133,000 | 6,941,000 | 6,982,000 |
| Total capital | 7,846,000 | 7,400,000 | 7,210,000 | 7,247,000 |
| Risk-weighted assets | 22,479,000 | 21,030,000 | 21,093,000 | 20,868,000 |
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