Call reports 2012
CITIZENS STATE BANK OF LANKIN — 2012
What CITIZENS STATE BANK OF LANKIN 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 | 41,791,000 | 40,096,000 | 40,737,000 | 43,144,000 |
| Total loans | 24,959,000 | 27,787,000 | 28,139,000 | 26,497,000 |
| Allowance for loan losses | 461,000 | 470,000 | 474,000 | 477,000 |
| Securities available for sale | 8,387,000 | 8,265,000 | 7,536,000 | 7,433,000 |
| Securities held to maturity | 379,000 | 379,000 | 379,000 | 298,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,385,000 | 35,111,000 | 35,085,000 | 37,330,000 |
| Interest-bearing deposits | 32,126,000 | 29,190,000 | 28,204,000 | 28,620,000 |
| Noninterest-bearing deposits | 6,259,000 | 5,921,000 | 6,881,000 | 8,710,000 |
| Equity capital | 3,314,000 | 3,404,000 | 3,606,000 | 3,758,000 |
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 | 455,000 | 906,000 | 1,385,000 | 1,839,000 |
| Interest expense | 44,000 | 81,000 | 121,000 | 160,000 |
| Net interest income | 411,000 | 825,000 | 1,264,000 | 1,679,000 |
| Noninterest income | 27,000 | -25,000 | 2,000 | 59,000 |
| Noninterest expense | 329,000 | 653,000 | 966,000 | 1,286,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 101,000 | 180,000 | 333,000 | 485,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 101,000 | 180,000 | 333,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,247,000 | 3,325,000 | 3,478,000 | 3,630,000 |
| Total capital | 3,613,000 | 3,697,000 | 3,858,000 | 4,015,000 |
| Risk-weighted assets | 29,157,000 | 29,678,000 | 30,281,000 | 30,703,000 |