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 | 119,512,000 | 117,909,000 | 111,790,000 | 133,445,000 |
| Total loans | 52,204,000 | 56,616,000 | 61,145,000 | 70,916,000 |
| Allowance for loan losses | 955,000 | 969,000 | 983,000 | 996,000 |
| Securities available for sale | 34,548,000 | 35,798,000 | 37,817,000 | 38,234,000 |
| Securities held to maturity | 58,000 | 55,000 | 52,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,218,000 | 102,319,000 | 95,733,000 | 117,259,000 |
| Interest-bearing deposits | 80,017,000 | 80,230,000 | 75,242,000 | 87,973,000 |
| Noninterest-bearing deposits | 24,201,000 | 22,089,000 | 20,491,000 | 29,286,000 |
| Equity capital | 14,509,000 | 14,813,000 | 15,193,000 | 15,519,000 |
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 | 1,125,000 | 2,300,000 | 3,551,000 | 4,859,000 |
| Interest expense | 114,000 | 225,000 | 331,000 | 434,000 |
| Net interest income | 1,011,000 | 2,075,000 | 3,220,000 | 4,425,000 |
| Noninterest income | 215,000 | 301,000 | 387,000 | 537,000 |
| Noninterest expense | 816,000 | 1,639,000 | 2,445,000 | 3,202,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 410,000 | 737,000 | 1,162,000 | 1,760,000 |
| Income tax | 113,000 | 169,000 | 255,000 | 428,000 |
| Net income | 297,000 | 568,000 | 907,000 | 1,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,744,000 | 14,016,000 | 14,356,000 | 14,780,000 |
| Total capital | 14,532,000 | 14,871,000 | 15,270,000 | 15,776,000 |
| Risk-weighted assets | 62,866,000 | 68,282,000 | 73,068,000 | 83,505,000 |