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 | 131,847,000 | 134,317,000 | 138,637,000 | 145,291,000 |
| Total loans | 79,286,000 | 76,432,000 | 78,744,000 | 90,730,000 |
| Allowance for loan losses | 1,604,000 | 1,610,000 | 1,612,000 | 1,614,000 |
| Securities available for sale | 34,663,000 | 39,883,000 | 42,528,000 | 43,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,000,000 | 117,152,000 | 120,979,000 | 116,277,000 |
| Interest-bearing deposits | 93,596,000 | 95,411,000 | 98,600,000 | 91,082,000 |
| Noninterest-bearing deposits | 21,404,000 | 21,741,000 | 22,379,000 | 25,195,000 |
| Equity capital | 14,355,000 | 14,745,000 | 15,195,000 | 15,354,000 |
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 | 1,506,000 | 2,847,000 | 4,198,000 | 5,563,000 |
| Interest expense | 160,000 | 299,000 | 428,000 | 550,000 |
| Net interest income | 1,346,000 | 2,548,000 | 3,770,000 | 5,013,000 |
| Noninterest income | 80,000 | 199,000 | 347,000 | 471,000 |
| Noninterest expense | 692,000 | 1,364,000 | 2,057,000 | 2,835,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 734,000 | 1,451,000 | 2,128,000 | 2,738,000 |
| Income tax | 223,000 | 442,000 | 637,000 | 814,000 |
| Net income | 511,000 | 1,009,000 | 1,491,000 | 1,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,607,000 | 13,956,000 | 14,287,000 | 14,570,000 |
| Total capital | 14,767,000 | 15,092,000 | 15,459,000 | 15,902,000 |
| Risk-weighted assets | 92,370,000 | 90,444,000 | 93,331,000 | 106,355,000 |