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 | 175,712,000 | 188,183,000 | 188,052,000 | 191,437,000 |
| Total loans | 105,810,000 | 118,983,000 | 137,643,000 | 151,994,000 |
| Allowance for loan losses | 1,026,000 | 1,085,000 | 1,303,000 | 1,511,000 |
| Securities available for sale | 14,556,000 | 17,396,000 | 16,817,000 | 18,544,000 |
| Securities held to maturity | 1,579,000 | 2,711,000 | 3,191,000 | 4,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,307,000 | 173,053,000 | 172,362,000 | 175,201,000 |
| Interest-bearing deposits | 145,385,000 | 154,304,000 | 153,154,000 | 155,938,000 |
| Noninterest-bearing deposits | 17,922,000 | 18,749,000 | 19,208,000 | 19,263,000 |
| Equity capital | 12,223,000 | 14,802,000 | 15,032,000 | 15,099,000 |
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 | 2,021,000 | 4,464,000 | 7,417,000 | 10,675,000 |
| Interest expense | 360,000 | 801,000 | 1,236,000 | 1,659,000 |
| Net interest income | 1,661,000 | 3,663,000 | 6,181,000 | 9,016,000 |
| Noninterest income | 114,000 | 236,000 | 297,000 | 432,000 |
| Noninterest expense | 1,272,000 | 2,730,000 | 4,430,000 | 6,303,000 |
| Provision for loan losses | 130,000 | 284,000 | 610,000 | 1,017,000 |
| Pretax income | 437,000 | 949,000 | 1,502,000 | 2,192,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 437,000 | 949,000 | 1,502,000 | 2,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,110,000 | 14,994,000 | 15,546,000 | 15,586,000 |
| Total capital | 13,136,000 | 16,079,000 | 16,849,000 | 17,097,000 |
| Risk-weighted assets | 111,855,000 | 127,583,000 | 140,439,000 | 156,333,000 |