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 | 127,613,000 | 133,823,000 | 125,523,000 | 129,186,000 |
| Total loans | 79,683,000 | 87,598,000 | 84,038,000 | 84,233,000 |
| Allowance for loan losses | 885,000 | 872,000 | 854,000 | 868,000 |
| Securities available for sale | 38,632,000 | 36,547,000 | 32,143,000 | 35,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,581,000 | 113,575,000 | 110,062,000 | 107,665,000 |
| Interest-bearing deposits | 89,622,000 | 90,476,000 | 84,931,000 | 85,792,000 |
| Noninterest-bearing deposits | 20,959,000 | 23,099,000 | 25,131,000 | 21,873,000 |
| Equity capital | 11,515,000 | 11,713,000 | 11,903,000 | 12,087,000 |
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 | 1,468,000 | 3,001,000 | 4,544,000 | 6,042,000 |
| Interest expense | 119,000 | 235,000 | 344,000 | 451,000 |
| Net interest income | 1,349,000 | 2,766,000 | 4,200,000 | 5,591,000 |
| Noninterest income | 241,000 | 525,000 | 783,000 | 1,059,000 |
| Noninterest expense | 1,397,000 | 2,825,000 | 4,221,000 | 5,588,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 335,000 |
| Pretax income | 155,000 | 382,000 | 618,000 | 794,000 |
| Income tax | 0 | 0 | 0 | -162,000 |
| Net income | 155,000 | 382,000 | 618,000 | 956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,010,000 | 11,213,000 | 11,413,000 | 11,768,000 |
| Total capital | 11,895,000 | 12,090,000 | 12,276,000 | 12,643,000 |
| Risk-weighted assets | 86,328,000 | 82,511,000 | 83,031,000 | 85,837,000 |