Call reports 2013
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2013
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 116,771,000 | 113,922,000 | 113,580,000 | 113,492,000 |
| Total loans | 52,576,000 | 53,591,000 | 53,688,000 | 55,391,000 |
| Allowance for loan losses | 900,000 | 884,000 | 887,000 | 821,000 |
| Securities available for sale | 58,044,000 | 54,029,000 | 54,405,000 | 50,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,000,000 | 90,287,000 | 90,971,000 | 96,174,000 |
| Interest-bearing deposits | 75,802,000 | 72,440,000 | 71,847,000 | 76,636,000 |
| Noninterest-bearing deposits | 18,198,000 | 17,847,000 | 19,124,000 | 19,538,000 |
| Equity capital | 10,477,000 | 8,685,000 | 9,307,000 | 8,676,000 |
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 | 990,000 | 1,990,000 | 3,049,000 | 4,092,000 |
| Interest expense | 135,000 | 279,000 | 423,000 | 577,000 |
| Net interest income | 855,000 | 1,711,000 | 2,626,000 | 3,515,000 |
| Noninterest income | 232,000 | 476,000 | 700,000 | 947,000 |
| Noninterest expense | 757,000 | 1,553,000 | 2,322,000 | 3,154,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 393,000 | 784,000 | 1,154,000 | 1,503,000 |
| Income tax | 16,000 | 32,000 | 50,000 | 64,000 |
| Net income | 377,000 | 752,000 | 1,104,000 | 1,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,446,000 | 9,571,000 | 9,673,000 | 9,759,000 |
| Total capital | 10,246,000 | 10,347,000 | 10,433,000 | 10,545,000 |
| Risk-weighted assets | 63,908,000 | 61,954,000 | 60,685,000 | 62,884,000 |