Call reports 2013
CITIZENS STATE BANK OF NEW CASTLE — 2013
What CITIZENS STATE BANK OF NEW CASTLE 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 | 289,645,000 | 288,823,000 | 416,692,000 | 420,523,000 |
| Total loans | 116,605,000 | 119,462,000 | 203,540,000 | 213,602,000 |
| Allowance for loan losses | 3,305,000 | 3,160,000 | 4,006,000 | 4,073,000 |
| Securities available for sale | 126,881,000 | 125,634,000 | 135,703,000 | 132,595,000 |
| Securities held to maturity | 9,470,000 | 9,068,000 | 19,524,000 | 19,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,922,000 | 261,425,000 | 372,845,000 | 377,186,000 |
| Interest-bearing deposits | 251,511,000 | 250,677,000 | 356,195,000 | 361,994,000 |
| Noninterest-bearing deposits | 10,411,000 | 10,748,000 | 16,650,000 | 15,192,000 |
| Equity capital | 25,382,000 | 25,109,000 | 37,560,000 | 38,317,000 |
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 | 2,309,000 | 4,751,000 | 10,654,000 | 14,293,000 |
| Interest expense | 181,000 | 357,000 | 742,000 | 961,000 |
| Net interest income | 2,128,000 | 4,394,000 | 9,912,000 | 13,332,000 |
| Noninterest income | 667,000 | 1,342,000 | 2,690,000 | 3,727,000 |
| Noninterest expense | 2,195,000 | 4,356,000 | 9,836,000 | 13,233,000 |
| Provision for loan losses | 61,000 | 122,000 | 386,000 | 524,000 |
| Pretax income | 583,000 | 1,302,000 | 2,422,000 | 3,344,000 |
| Income tax | 115,000 | 298,000 | 631,000 | 821,000 |
| Net income | 468,000 | 1,004,000 | 1,791,000 | 2,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,384,000 | 24,574,000 | 38,467,000 | 38,769,000 |
| Total capital | 26,161,000 | 26,425,000 | 41,408,000 | 41,843,000 |
| Risk-weighted assets | 140,600,000 | 146,783,000 | 227,122,000 | 236,869,000 |