Call reports 2012
CITIZENS STATE BANK OF ROSEAU — 2012
What CITIZENS STATE BANK OF ROSEAU 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 | 196,009,000 | 194,223,000 | 193,950,000 | 198,494,000 |
| Total loans | 77,482,000 | 81,435,000 | 87,235,000 | 87,583,000 |
| Allowance for loan losses | 1,182,000 | 1,208,000 | 1,197,000 | 1,250,000 |
| Securities available for sale | 97,452,000 | 102,984,000 | 96,931,000 | 94,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,867,000 | 163,343,000 | 163,185,000 | 169,699,000 |
| Interest-bearing deposits | 138,540,000 | 140,377,000 | 135,566,000 | 141,904,000 |
| Noninterest-bearing deposits | 27,327,000 | 22,966,000 | 27,619,000 | 27,795,000 |
| Equity capital | 25,504,000 | 26,075,000 | 26,823,000 | 26,282,000 |
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 | 1,847,000 | 3,674,000 | 5,504,000 | 7,314,000 |
| Interest expense | 287,000 | 553,000 | 790,000 | 1,010,000 |
| Net interest income | 1,560,000 | 3,121,000 | 4,714,000 | 6,304,000 |
| Noninterest income | 277,000 | 529,000 | 839,000 | 1,159,000 |
| Noninterest expense | 968,000 | 1,895,000 | 2,868,000 | 3,858,000 |
| Provision for loan losses | 32,000 | 64,000 | 96,000 | 145,000 |
| Pretax income | 881,000 | 1,735,000 | 2,636,000 | 3,505,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 880,000 | 1,734,000 | 2,634,000 | 3,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,461,000 | 22,984,000 | 23,524,000 | 23,318,000 |
| Total capital | 23,643,000 | 24,192,000 | 24,721,000 | 24,568,000 |
| Risk-weighted assets | 111,906,000 | 114,510,000 | 117,850,000 | 119,524,000 |