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 | 398,539,000 | 398,171,000 | 388,537,000 | 415,914,000 |
| Total loans | 201,064,000 | 204,363,000 | 205,854,000 | 210,516,000 |
| Allowance for loan losses | 2,790,000 | 2,802,000 | 2,754,000 | 2,900,000 |
| Securities available for sale | 115,104,000 | 101,232,000 | 90,923,000 | 102,626,000 |
| Securities held to maturity | 5,143,000 | 5,135,000 | 5,081,000 | 4,774,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,852,000 | 359,311,000 | 347,669,000 | 375,562,000 |
| Interest-bearing deposits | 335,745,000 | 331,699,000 | 319,780,000 | 337,881,000 |
| Noninterest-bearing deposits | 27,107,000 | 27,612,000 | 27,889,000 | 37,681,000 |
| Equity capital | 32,512,000 | 35,739,000 | 37,193,000 | 37,811,000 |
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 | 4,170,000 | 8,340,000 | 12,538,000 | 16,730,000 |
| Interest expense | 589,000 | 1,124,000 | 1,591,000 | 2,025,000 |
| Net interest income | 3,581,000 | 7,216,000 | 10,947,000 | 14,705,000 |
| Noninterest income | 969,000 | 1,896,000 | 3,277,000 | 4,225,000 |
| Noninterest expense | 2,839,000 | 5,574,000 | 8,621,000 | 11,476,000 |
| Provision for loan losses | 405,000 | 539,000 | 575,000 | 861,000 |
| Pretax income | 1,306,000 | 2,999,000 | 5,028,000 | 6,593,000 |
| Income tax | 374,000 | 878,000 | 1,496,000 | 1,958,000 |
| Net income | 932,000 | 2,121,000 | 3,532,000 | 4,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,567,000 | 34,781,000 | 36,163,000 | 36,799,000 |
| Total capital | 34,357,000 | 37,583,000 | 38,917,000 | 39,699,000 |
| Risk-weighted assets | 235,783,000 | 239,334,000 | 239,224,000 | 243,285,000 |