Call reports 2013
CITIZENS STATE BANK AND TRUST COMPANY — 2013
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 92,494,000 | 84,238,000 | 80,960,000 | 87,862,000 |
| Total loans | 32,326,000 | 33,965,000 | 35,929,000 | 35,078,000 |
| Allowance for loan losses | 357,000 | 360,000 | 359,000 | 351,000 |
| Securities available for sale | 18,640,000 | 19,125,000 | 21,306,000 | 20,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,245,000 | 65,528,000 | 62,400,000 | 69,754,000 |
| Interest-bearing deposits | 53,468,000 | 48,534,000 | 46,535,000 | 50,781,000 |
| Noninterest-bearing deposits | 19,777,000 | 16,994,000 | 15,865,000 | 18,974,000 |
| Equity capital | 11,905,000 | 11,789,000 | 11,915,000 | 12,011,000 |
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 | 504,000 | 988,000 | 1,507,000 | 2,026,000 |
| Interest expense | 54,000 | 102,000 | 148,000 | 192,000 |
| Net interest income | 450,000 | 886,000 | 1,359,000 | 1,834,000 |
| Noninterest income | 172,000 | 334,000 | 494,000 | 693,000 |
| Noninterest expense | 537,000 | 1,057,000 | 1,617,000 | 2,163,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 85,000 | 163,000 | 236,000 | 364,000 |
| Income tax | 3,000 | 8,000 | 8,000 | 17,000 |
| Net income | 82,000 | 155,000 | 228,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,801,000 | 11,855,000 | 11,908,000 | 12,007,000 |
| Total capital | 12,158,000 | 12,215,000 | 12,267,000 | 12,358,000 |
| Risk-weighted assets | 39,432,000 | 41,111,000 | 44,008,000 | 43,526,000 |