Call reports 2012
CITIZENS STATE BANK, THE — 2012
What CITIZENS STATE BANK, THE 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 | 294,890,000 | 290,075,000 | 283,413,000 | 294,371,000 |
| Total loans | 212,946,000 | 213,335,000 | 208,766,000 | 226,865,000 |
| Allowance for loan losses | 3,283,000 | 3,270,000 | 3,272,000 | 3,160,000 |
| Securities available for sale | 53,146,000 | 50,227,000 | 50,796,000 | 51,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,480,000 | 211,023,000 | 206,414,000 | 215,918,000 |
| Interest-bearing deposits | 190,032,000 | 185,072,000 | 181,393,000 | 184,384,000 |
| Noninterest-bearing deposits | 26,448,000 | 25,951,000 | 25,021,000 | 31,534,000 |
| Equity capital | 31,799,000 | 32,050,000 | 32,400,000 | 31,794,000 |
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 | 3,368,000 | 6,648,000 | 9,844,000 | 12,619,000 |
| Interest expense | 930,000 | 1,831,000 | 2,695,000 | 3,485,000 |
| Net interest income | 2,438,000 | 4,817,000 | 7,149,000 | 9,134,000 |
| Noninterest income | 37,000 | 176,000 | 304,000 | 446,000 |
| Noninterest expense | 1,124,000 | 2,168,000 | 3,127,000 | 4,110,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,351,000 | 2,825,000 | 4,326,000 | 5,470,000 |
| Income tax | 23,000 | 45,000 | 68,000 | 231,000 |
| Net income | 1,328,000 | 2,780,000 | 4,258,000 | 5,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,331,000 | 28,398,000 | 28,593,000 | 28,241,000 |
| Total capital | 31,048,000 | 31,149,000 | 31,254,000 | 31,109,000 |
| Risk-weighted assets | 216,798,000 | 219,595,000 | 212,551,000 | 229,138,000 |