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 | 42,333,000 | 40,258,000 | 43,191,000 | 45,237,000 |
| Total loans | 9,638,000 | 7,755,000 | 8,095,000 | 9,865,000 |
| Allowance for loan losses | 255,000 | 261,000 | 265,000 | 271,000 |
| Securities available for sale | 24,770,000 | 22,969,000 | 27,296,000 | 29,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,537,000 | 31,226,000 | 30,081,000 | 29,823,000 |
| Interest-bearing deposits | 25,170,000 | 24,396,000 | 23,026,000 | 22,646,000 |
| Noninterest-bearing deposits | 7,367,000 | 6,830,000 | 7,055,000 | 7,177,000 |
| Equity capital | 9,770,000 | 9,007,000 | 9,080,000 | 8,738,000 |
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 | 227,000 | 425,000 | 619,000 | 864,000 |
| Interest expense | 46,000 | 87,000 | 128,000 | 173,000 |
| Net interest income | 181,000 | 338,000 | 491,000 | 691,000 |
| Noninterest income | 67,000 | 135,000 | 209,000 | 268,000 |
| Noninterest expense | 241,000 | 461,000 | 688,000 | 933,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,000 | 99,000 | 99,000 | 113,000 |
| Income tax | 3,000 | 20,000 | 25,000 | 26,000 |
| Net income | 4,000 | 79,000 | 74,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,464,000 | 5,540,000 | 5,535,000 | 5,508,000 |
| Total capital | 5,647,000 | 5,709,000 | 5,709,000 | 5,709,000 |
| Risk-weighted assets | 14,572,000 | 13,393,000 | 13,851,000 | 16,032,000 |