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 | 46,349,000 | 42,988,000 | 42,099,000 | 42,672,000 |
| Total loans | 8,972,000 | 7,548,000 | 7,581,000 | 9,407,000 |
| Allowance for loan losses | 244,000 | 246,000 | 243,000 | 248,000 |
| Securities available for sale | 25,090,000 | 24,516,000 | 26,380,000 | 25,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,585,000 | 32,979,000 | 31,990,000 | 32,873,000 |
| Interest-bearing deposits | 28,138,000 | 25,945,000 | 25,094,000 | 24,813,000 |
| Noninterest-bearing deposits | 8,447,000 | 7,034,000 | 6,896,000 | 8,060,000 |
| Equity capital | 9,714,000 | 9,901,000 | 10,001,000 | 9,777,000 |
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 | 304,000 | 598,000 | 847,000 | 1,096,000 |
| Interest expense | 59,000 | 110,000 | 158,000 | 206,000 |
| Net interest income | 245,000 | 488,000 | 689,000 | 890,000 |
| Noninterest income | 94,000 | 160,000 | 225,000 | 300,000 |
| Noninterest expense | 245,000 | 499,000 | 744,000 | 1,029,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 122,000 | 263,000 | 496,000 | 533,000 |
| Income tax | 19,000 | 63,000 | 145,000 | 162,000 |
| Net income | 103,000 | 200,000 | 351,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,493,000 | 5,490,000 | 5,541,000 | 5,461,000 |
| Total capital | 5,679,000 | 5,646,000 | 5,703,000 | 5,641,000 |
| Risk-weighted assets | 14,792,000 | 12,407,000 | 12,861,000 | 14,323,000 |