Call reports 2013
CITIZENS STATE BANK OF ROSEAU — 2013
What CITIZENS STATE BANK OF ROSEAU 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 | 208,865,000 | 205,978,000 | 202,704,000 | 204,120,000 |
| Total loans | 82,294,000 | 84,862,000 | 86,602,000 | 91,066,000 |
| Allowance for loan losses | 1,292,000 | 1,321,000 | 1,357,000 | 1,450,000 |
| Securities available for sale | 98,252,000 | 101,923,000 | 101,499,000 | 99,841,000 |
| Securities held to maturity | 2,640,000 | 5,005,000 | 4,980,000 | 7,180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,881,000 | 179,391,000 | 175,655,000 | 178,066,000 |
| Interest-bearing deposits | 142,454,000 | 149,038,000 | 143,278,000 | 145,307,000 |
| Noninterest-bearing deposits | 37,427,000 | 30,353,000 | 32,377,000 | 32,759,000 |
| Equity capital | 26,195,000 | 24,053,000 | 24,442,000 | 24,148,000 |
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 | 1,704,000 | 3,390,000 | 5,124,000 | 6,826,000 |
| Interest expense | 197,000 | 382,000 | 561,000 | 733,000 |
| Net interest income | 1,507,000 | 3,008,000 | 4,563,000 | 6,093,000 |
| Noninterest income | 268,000 | 497,000 | 791,000 | 1,009,000 |
| Noninterest expense | 957,000 | 1,723,000 | 2,865,000 | 3,667,000 |
| Provision for loan losses | 32,000 | 63,000 | 96,000 | 177,000 |
| Pretax income | 789,000 | 1,717,000 | 2,391,000 | 3,255,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 788,000 | 1,716,000 | 2,390,000 | 3,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,607,000 | 24,036,000 | 24,394,000 | 24,884,000 |
| Total capital | 24,899,000 | 25,357,000 | 25,751,000 | 26,334,000 |
| Risk-weighted assets | 118,762,000 | 111,211,000 | 111,779,000 | 121,080,000 |