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 | 95,924,000 | 93,376,000 | 93,966,000 | 93,063,000 |
| Total loans | 42,707,000 | 47,432,000 | 48,920,000 | 47,517,000 |
| Allowance for loan losses | 825,000 | 824,000 | 806,000 | 808,000 |
| Securities available for sale | 43,674,000 | 40,925,000 | 40,120,000 | 39,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,659,000 | 70,985,000 | 68,612,000 | 69,102,000 |
| Interest-bearing deposits | 62,880,000 | 60,807,000 | 59,306,000 | 58,863,000 |
| Noninterest-bearing deposits | 9,779,000 | 10,178,000 | 9,306,000 | 10,239,000 |
| Equity capital | 20,800,000 | 19,685,000 | 19,966,000 | 19,245,000 |
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 | 967,000 | 1,954,000 | 2,975,000 | 3,967,000 |
| Interest expense | 148,000 | 287,000 | 424,000 | 563,000 |
| Net interest income | 819,000 | 1,667,000 | 2,551,000 | 3,404,000 |
| Noninterest income | 76,000 | 160,000 | 247,000 | 317,000 |
| Noninterest expense | 485,000 | 924,000 | 1,386,000 | 1,955,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 444,000 | 985,000 | 1,494,000 | 1,858,000 |
| Income tax | 22,000 | 49,000 | 75,000 | 92,000 |
| Net income | 422,000 | 936,000 | 1,419,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,538,000 | 18,930,000 | 19,290,000 | 19,020,000 |
| Total capital | 19,219,000 | 19,659,000 | 20,035,000 | 19,751,000 |
| Risk-weighted assets | 54,339,000 | 58,199,000 | 59,487,000 | 58,392,000 |