Call reports 2012
CITIZENS STATE BANK OF CORTEZ, THE — 2012
What CITIZENS STATE BANK OF CORTEZ, 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 | 77,822,000 | 77,315,000 | 75,915,000 | 75,779,000 |
| Total loans | 46,582,000 | 47,177,000 | 45,585,000 | 45,309,000 |
| Allowance for loan losses | 1,239,000 | 1,048,000 | 1,048,000 | 1,042,000 |
| Securities available for sale | 7,012,000 | 9,025,000 | 9,062,000 | 9,101,000 |
| Securities held to maturity | 4,916,000 | 11,378,000 | 11,299,000 | 11,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,602,000 | 65,758,000 | 64,794,000 | 65,191,000 |
| Interest-bearing deposits | 42,783,000 | 42,398,000 | 40,646,000 | 40,679,000 |
| Noninterest-bearing deposits | 23,819,000 | 23,361,000 | 24,148,000 | 24,512,000 |
| Equity capital | 9,023,000 | 9,051,000 | 9,141,000 | 9,132,000 |
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 | 678,000 | 1,365,000 | 2,089,000 | 2,780,000 |
| Interest expense | 118,000 | 229,000 | 334,000 | 429,000 |
| Net interest income | 560,000 | 1,136,000 | 1,755,000 | 2,351,000 |
| Noninterest income | 152,000 | 312,000 | 474,000 | 636,000 |
| Noninterest expense | 631,000 | 1,327,000 | 1,954,000 | 2,721,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 81,000 | 121,000 | 275,000 | 261,000 |
| Income tax | 29,000 | 34,000 | 97,000 | 94,000 |
| Net income | 52,000 | 87,000 | 178,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,012,000 | 9,048,000 | 9,139,000 | 9,131,000 |
| Total capital | 9,604,000 | 9,665,000 | 9,738,000 | 9,730,000 |
| Risk-weighted assets | 46,739,000 | 48,932,000 | 47,465,000 | 47,468,000 |