Call reports 2012
CITIZENS STATE BANK — 2012
What CITIZENS STATE BANK 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 | 78,654,000 | 78,684,000 | 73,335,000 | 80,006,000 |
| Total loans | 54,976,000 | 59,731,000 | 58,252,000 | 59,546,000 |
| Allowance for loan losses | 761,000 | 842,000 | 860,000 | 930,000 |
| Securities available for sale | 2,288,000 | 2,097,000 | 1,949,000 | 2,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,040,000 | 67,960,000 | 65,060,000 | 71,601,000 |
| Interest-bearing deposits | 53,222,000 | 49,755,000 | 49,087,000 | 51,108,000 |
| Noninterest-bearing deposits | 17,818,000 | 18,205,000 | 15,973,000 | 20,493,000 |
| Equity capital | 7,478,000 | 7,730,000 | 7,997,000 | 8,334,000 |
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 | 931,000 | 1,907,000 | 2,940,000 | 3,953,000 |
| Interest expense | 78,000 | 134,000 | 185,000 | 233,000 |
| Net interest income | 853,000 | 1,773,000 | 2,755,000 | 3,720,000 |
| Noninterest income | 164,000 | 238,000 | 313,000 | 391,000 |
| Noninterest expense | 562,000 | 1,081,000 | 1,653,000 | 2,128,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 410,000 | 840,000 | 1,280,000 | 1,803,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 410,000 | 840,000 | 1,280,000 | 1,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,360,000 | 7,626,000 | 7,893,000 | 8,247,000 |
| Total capital | 8,121,000 | 8,468,000 | 8,673,000 | 8,967,000 |
| Risk-weighted assets | 69,829,000 | 69,906,000 | 69,125,000 | 56,703,000 |