Call reports 2013
CITIZENS STATE BANK, THE — 2013
What CITIZENS STATE BANK, THE 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 | 300,802,000 | 293,062,000 | 288,689,000 | 297,735,000 |
| Total loans | 224,672,000 | 231,818,000 | 217,951,000 | 229,163,000 |
| Allowance for loan losses | 3,159,000 | 3,154,000 | 3,135,000 | 3,116,000 |
| Securities available for sale | 48,969,000 | 47,872,000 | 53,444,000 | 51,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,762,000 | 216,273,000 | 212,115,000 | 221,567,000 |
| Interest-bearing deposits | 195,991,000 | 191,360,000 | 184,748,000 | 183,875,000 |
| Noninterest-bearing deposits | 27,771,000 | 24,913,000 | 27,367,000 | 37,692,000 |
| Equity capital | 31,446,000 | 30,804,000 | 30,626,000 | 30,609,000 |
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 | 3,021,000 | 6,118,000 | 9,195,000 | 12,304,000 |
| Interest expense | 776,000 | 1,552,000 | 2,317,000 | 3,063,000 |
| Net interest income | 2,245,000 | 4,566,000 | 6,878,000 | 9,241,000 |
| Noninterest income | -40,000 | 48,000 | 211,000 | 328,000 |
| Noninterest expense | 1,029,000 | 2,002,000 | 2,975,000 | 3,968,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,176,000 | 2,612,000 | 4,114,000 | 5,601,000 |
| Income tax | 53,000 | 105,000 | 158,000 | 217,000 |
| Net income | 1,123,000 | 2,507,000 | 3,956,000 | 5,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,000,000 | 28,331,000 | 28,529,000 | 28,679,000 |
| Total capital | 30,872,000 | 31,267,000 | 31,333,000 | 31,612,000 |
| Risk-weighted assets | 229,715,000 | 234,819,000 | 223,951,000 | 234,417,000 |
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