Call reports 2012
CITIZENS STATE BANK AT MOHALL, THE — 2012
What CITIZENS STATE BANK AT MOHALL, THE 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 | 58,808,000 | 58,625,000 | 58,954,000 | 60,670,000 |
| Total loans | 36,627,000 | 40,665,000 | 42,329,000 | 43,165,000 |
| Allowance for loan losses | 327,000 | 351,000 | 346,000 | 366,000 |
| Securities available for sale | 12,784,000 | 12,725,000 | 13,225,000 | 13,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,434,000 | 52,580,000 | 52,711,000 | 50,460,000 |
| Interest-bearing deposits | 44,560,000 | 42,522,000 | 43,200,000 | 38,987,000 |
| Noninterest-bearing deposits | 9,874,000 | 10,058,000 | 9,511,000 | 11,473,000 |
| Equity capital | 4,234,000 | 4,319,000 | 4,509,000 | 4,521,000 |
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 | 491,000 | 1,022,000 | 1,580,000 | 2,136,000 |
| Interest expense | 69,000 | 128,000 | 183,000 | 236,000 |
| Net interest income | 422,000 | 894,000 | 1,397,000 | 1,900,000 |
| Noninterest income | 29,000 | 59,000 | 96,000 | 129,000 |
| Noninterest expense | 252,000 | 526,000 | 800,000 | 1,216,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 45,000 |
| Pretax income | 199,000 | 402,000 | 668,000 | 768,000 |
| Income tax | 11,000 | 23,000 | 39,000 | 43,000 |
| Net income | 188,000 | 379,000 | 629,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,238,000 | 4,293,000 | 4,475,000 | 4,503,000 |
| Total capital | 4,565,000 | 4,644,000 | 4,821,000 | 4,869,000 |
| Risk-weighted assets | 38,083,000 | 41,380,000 | 42,778,000 | 43,574,000 |