Call reports 2012
CITIZENS STATE BANK AND TRUST COMPANY — 2012
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 92,119,000 | 87,627,000 | 86,573,000 | 82,574,000 |
| Total loans | 31,481,000 | 33,885,000 | 33,440,000 | 35,685,000 |
| Allowance for loan losses | 324,000 | 325,000 | 358,000 | 357,000 |
| Securities available for sale | 20,872,000 | 21,924,000 | 20,040,000 | 19,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,258,000 | 68,463,000 | 67,726,000 | 65,862,000 |
| Interest-bearing deposits | 50,123,000 | 48,925,000 | 46,983,000 | 47,402,000 |
| Noninterest-bearing deposits | 22,135,000 | 19,538,000 | 20,743,000 | 18,460,000 |
| Equity capital | 11,696,000 | 11,704,000 | 11,772,000 | 11,857,000 |
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 | 538,000 | 1,078,000 | 1,641,000 | 2,187,000 |
| Interest expense | 87,000 | 166,000 | 226,000 | 282,000 |
| Net interest income | 451,000 | 912,000 | 1,415,000 | 1,905,000 |
| Noninterest income | 171,000 | 293,000 | 445,000 | 638,000 |
| Noninterest expense | 549,000 | 1,073,000 | 1,650,000 | 2,202,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 132,000 | 210,000 | 341,000 |
| Income tax | 0 | 17,000 | 25,000 | 17,000 |
| Net income | 73,000 | 115,000 | 185,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,551,000 | 11,571,000 | 11,621,000 | 11,740,000 |
| Total capital | 11,875,000 | 11,896,000 | 11,979,000 | 12,097,000 |
| Risk-weighted assets | 41,256,000 | 44,636,000 | 41,203,000 | 46,610,000 |