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 | 90,463,000 | 92,212,000 | 91,162,000 | 96,265,000 |
| Total loans | 40,874,000 | 41,779,000 | 42,019,000 | 43,383,000 |
| Allowance for loan losses | 793,000 | 794,000 | 812,000 | 823,000 |
| Securities available for sale | 43,080,000 | 43,133,000 | 42,921,000 | 43,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,224,000 | 68,961,000 | 67,471,000 | 73,174,000 |
| Interest-bearing deposits | 59,339,000 | 60,521,000 | 59,015,000 | 61,699,000 |
| Noninterest-bearing deposits | 8,885,000 | 8,440,000 | 8,456,000 | 11,475,000 |
| Equity capital | 20,174,000 | 20,791,000 | 21,246,000 | 20,779,000 |
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 | 1,020,000 | 2,030,000 | 3,023,000 | 4,006,000 |
| Interest expense | 186,000 | 374,000 | 547,000 | 712,000 |
| Net interest income | 834,000 | 1,656,000 | 2,476,000 | 3,294,000 |
| Noninterest income | 86,000 | 155,000 | 232,000 | 318,000 |
| Noninterest expense | 479,000 | 944,000 | 1,411,000 | 1,986,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 502,000 | 947,000 | 1,378,000 | 1,707,000 |
| Income tax | 25,000 | 47,000 | 69,000 | 95,000 |
| Net income | 477,000 | 900,000 | 1,309,000 | 1,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,895,000 | 18,218,000 | 18,529,000 | 18,241,000 |
| Total capital | 18,543,000 | 18,880,000 | 19,192,000 | 18,928,000 |
| Risk-weighted assets | 51,719,000 | 52,858,000 | 52,893,000 | 54,859,000 |