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 | 130,525,000 | 132,475,000 | 118,298,000 | 124,004,000 |
| Total loans | 80,757,000 | 87,985,000 | 66,668,000 | 77,267,000 |
| Allowance for loan losses | 921,000 | 1,088,000 | 1,162,000 | 1,150,000 |
| Securities available for sale | 34,951,000 | 33,930,000 | 34,020,000 | 38,317,000 |
| Securities held to maturity | 5,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,467,000 | 103,113,000 | 106,066,000 | 109,710,000 |
| Interest-bearing deposits | 80,322,000 | 79,726,000 | 82,845,000 | 86,645,000 |
| Noninterest-bearing deposits | 24,145,000 | 23,387,000 | 23,221,000 | 23,065,000 |
| Equity capital | 12,309,000 | 11,845,000 | 11,650,000 | 11,452,000 |
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 | 1,491,000 | 3,000,000 | 4,434,000 | 5,847,000 |
| Interest expense | 99,000 | 199,000 | 297,000 | 395,000 |
| Net interest income | 1,392,000 | 2,801,000 | 4,137,000 | 5,452,000 |
| Noninterest income | 260,000 | 539,000 | 828,000 | 1,112,000 |
| Noninterest expense | 1,280,000 | 2,527,000 | 3,838,000 | 5,205,000 |
| Provision for loan losses | 60,000 | 196,000 | 256,000 | 396,000 |
| Pretax income | 348,000 | 713,000 | 1,011,000 | 1,115,000 |
| Income tax | 118,000 | 241,000 | 340,000 | 274,000 |
| Net income | 230,000 | 472,000 | 671,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,898,000 | 11,403,000 | 11,371,000 | 11,589,000 |
| Total capital | 12,828,000 | 12,475,000 | 12,284,000 | 12,603,000 |
| Risk-weighted assets | 84,246,000 | 85,712,000 | 72,773,000 | 81,019,000 |