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 | 108,392,000 | 107,981,000 | 116,014,000 | 128,782,000 |
| Total loans | 69,743,000 | 76,520,000 | 82,042,000 | 93,016,000 |
| Allowance for loan losses | 1,044,000 | 1,048,000 | 958,000 | 941,000 |
| Securities available for sale | 11,127,000 | 11,447,000 | 11,455,000 | 13,526,000 |
| Securities held to maturity | 0 | 398,000 | 598,000 | 982,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,057,000 | 97,380,000 | 105,057,000 | 117,825,000 |
| Interest-bearing deposits | 81,547,000 | 81,405,000 | 87,312,000 | 99,447,000 |
| Noninterest-bearing deposits | 16,511,000 | 15,975,000 | 17,745,000 | 18,378,000 |
| Equity capital | 10,105,000 | 10,321,000 | 10,617,000 | 10,735,000 |
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 | 1,434,000 | 2,881,000 | 4,508,000 | 6,169,000 |
| Interest expense | 245,000 | 492,000 | 725,000 | 986,000 |
| Net interest income | 1,189,000 | 2,389,000 | 3,783,000 | 5,183,000 |
| Noninterest income | 129,000 | 261,000 | 396,000 | 496,000 |
| Noninterest expense | 1,078,000 | 2,171,000 | 3,477,000 | 4,678,000 |
| Provision for loan losses | 242,000 | 339,000 | 443,000 | 523,000 |
| Pretax income | 218,000 | 415,000 | 534,000 | 753,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 218,000 | 415,000 | 534,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,023,000 | 10,219,000 | 10,339,000 | 10,528,000 |
| Total capital | 10,971,000 | 11,241,000 | 11,297,000 | 11,469,000 |
| Risk-weighted assets | 76,206,000 | 81,846,000 | 86,823,000 | 94,062,000 |