Call reports 2013
CITIZENS STATE BANK OF CORTEZ, THE — 2013
What CITIZENS STATE BANK OF CORTEZ, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Total assets | 80,566,000 | 78,006,000 | 76,625,000 |
| Total loans | 48,204,000 | 48,266,000 | 47,620,000 |
| Allowance for loan losses | 978,000 | 1,005,000 | 943,000 |
| Securities available for sale | 9,136,000 | 9,995,000 | 0 |
| Securities held to maturity | 11,178,000 | 11,559,000 | 11,438,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 68,274,000 | 66,570,000 | 65,562,000 |
| Interest-bearing deposits | 44,020,000 | 43,133,000 | 40,478,000 |
| Noninterest-bearing deposits | 24,253,000 | 23,437,000 | 25,083,000 |
| Equity capital | 9,167,000 | 9,099,000 | 8,914,000 |
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 |
|---|---|---|---|
| Interest income | 654,000 | 1,367,000 | 2,100,000 |
| Interest expense | 86,000 | 174,000 | 258,000 |
| Net interest income | 568,000 | 1,193,000 | 1,842,000 |
| Noninterest income | 156,000 | 325,000 | 496,000 |
| Noninterest expense | 678,000 | 1,408,000 | 2,266,000 |
| Provision for loan losses | 5,000 | 10,000 | 17,000 |
| Pretax income | 41,000 | 100,000 | -154,000 |
| Income tax | 5,000 | 25,000 | 64,000 |
| Net income | 36,000 | 75,000 | -218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Tier 1 capital | 9,167,000 | 9,206,000 | 8,914,000 |
| Total capital | 9,808,000 | 9,844,000 | 9,544,000 |
| Risk-weighted assets | 50,962,000 | 50,662,000 | 50,100,000 |
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