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 | 411,419,000 | 396,306,000 | 385,982,000 | 389,740,000 |
| Total loans | 213,106,000 | 211,447,000 | 215,589,000 | 216,037,000 |
| Allowance for loan losses | 2,936,000 | 3,030,000 | 3,055,000 | 2,849,000 |
| Securities available for sale | 144,899,000 | 119,286,000 | 96,825,000 | 94,064,000 |
| Securities held to maturity | 5,146,000 | 5,522,000 | 5,965,000 | 5,531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,181,000 | 353,327,000 | 341,454,000 | 345,995,000 |
| Interest-bearing deposits | 326,131,000 | 325,962,000 | 307,781,000 | 312,336,000 |
| Noninterest-bearing deposits | 43,050,000 | 27,365,000 | 33,673,000 | 33,659,000 |
| Equity capital | 38,470,000 | 39,371,000 | 40,118,000 | 40,841,000 |
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 | 4,067,000 | 8,135,000 | 12,203,000 | 16,186,000 |
| Interest expense | 377,000 | 705,000 | 989,000 | 1,259,000 |
| Net interest income | 3,690,000 | 7,430,000 | 11,214,000 | 14,927,000 |
| Noninterest income | 906,000 | 1,820,000 | 2,689,000 | 3,575,000 |
| Noninterest expense | 3,102,000 | 5,991,000 | 9,194,000 | 12,141,000 |
| Provision for loan losses | 276,000 | 559,000 | 707,000 | 722,000 |
| Pretax income | 1,218,000 | 2,700,000 | 4,002,000 | 5,639,000 |
| Income tax | 310,000 | 754,000 | 1,133,000 | 1,616,000 |
| Net income | 908,000 | 1,946,000 | 2,869,000 | 4,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,682,000 | 38,692,000 | 39,589,000 | 40,282,000 |
| Total capital | 40,613,000 | 41,637,000 | 42,559,000 | 43,131,000 |
| Risk-weighted assets | 234,498,000 | 235,546,000 | 237,528,000 | 238,238,000 |