Call reports 2012
CITIZENS STATE BANK OF NEW CASTLE — 2012
What CITIZENS STATE BANK OF NEW CASTLE 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 | 265,083,000 | 278,322,000 | 279,794,000 | 287,875,000 |
| Total loans | 114,780,000 | 117,321,000 | 116,661,000 | 117,564,000 |
| Allowance for loan losses | 2,814,000 | 3,039,000 | 3,188,000 | 3,271,000 |
| Securities available for sale | 114,965,000 | 118,307,000 | 118,387,000 | 117,522,000 |
| Securities held to maturity | 8,527,000 | 9,027,000 | 9,510,000 | 9,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,682,000 | 250,652,000 | 251,749,000 | 260,023,000 |
| Interest-bearing deposits | 227,830,000 | 240,040,000 | 240,112,000 | 250,097,000 |
| Noninterest-bearing deposits | 9,852,000 | 10,612,000 | 11,637,000 | 9,926,000 |
| Equity capital | 25,275,000 | 25,477,000 | 25,713,000 | 25,736,000 |
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 | 2,450,000 | 4,871,000 | 7,255,000 | 9,606,000 |
| Interest expense | 237,000 | 472,000 | 685,000 | 878,000 |
| Net interest income | 2,213,000 | 4,399,000 | 6,570,000 | 8,728,000 |
| Noninterest income | 650,000 | 1,321,000 | 1,945,000 | 2,613,000 |
| Noninterest expense | 2,105,000 | 4,243,000 | 6,376,000 | 8,467,000 |
| Provision for loan losses | 182,000 | 302,000 | 385,000 | 451,000 |
| Pretax income | 576,000 | 1,175,000 | 1,754,000 | 2,423,000 |
| Income tax | 126,000 | 261,000 | 391,000 | 571,000 |
| Net income | 450,000 | 914,000 | 1,363,000 | 1,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,914,000 | 24,045,000 | 24,134,000 | 24,263,000 |
| Total capital | 25,612,000 | 25,785,000 | 25,869,000 | 26,036,000 |
| Risk-weighted assets | 134,756,000 | 137,865,000 | 137,365,000 | 140,373,000 |