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 | 137,758,000 | 130,534,000 | 119,671,000 | 136,799,000 |
| Total loans | 54,996,000 | 59,829,000 | 67,149,000 | 70,939,000 |
| Allowance for loan losses | 1,010,000 | 1,022,000 | 1,035,000 | 1,054,000 |
| Securities available for sale | 37,279,000 | 37,212,000 | 36,594,000 | 34,649,000 |
| Securities held to maturity | 47,000 | 44,000 | 192,000 | 189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,317,000 | 115,949,000 | 104,761,000 | 121,852,000 |
| Interest-bearing deposits | 91,896,000 | 89,657,000 | 81,330,000 | 90,099,000 |
| Noninterest-bearing deposits | 30,421,000 | 26,292,000 | 23,431,000 | 31,753,000 |
| Equity capital | 14,774,000 | 14,314,000 | 14,548,000 | 14,766,000 |
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 | 1,162,000 | 2,312,000 | 3,560,000 | 4,823,000 |
| Interest expense | 102,000 | 199,000 | 292,000 | 379,000 |
| Net interest income | 1,060,000 | 2,113,000 | 3,268,000 | 4,444,000 |
| Noninterest income | 76,000 | 176,000 | 282,000 | 459,000 |
| Noninterest expense | 795,000 | 1,613,000 | 2,455,000 | 3,256,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 341,000 | 676,000 | 1,095,000 | 1,647,000 |
| Income tax | 72,000 | 158,000 | 260,000 | 404,000 |
| Net income | 269,000 | 518,000 | 835,000 | 1,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,130,000 | 14,379,000 | 14,696,000 | 15,104,000 |
| Total capital | 14,963,000 | 15,278,000 | 15,677,000 | 16,140,000 |
| Risk-weighted assets | 66,431,000 | 71,767,000 | 78,401,000 | 82,868,000 |