Call reports 2013
CITIZENS STATE BANK — 2013
What CITIZENS STATE BANK 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 | 145,380,000 | 140,473,000 | 143,550,000 | 146,689,000 |
| Total loans | 81,867,000 | 85,134,000 | 84,125,000 | 92,546,000 |
| Allowance for loan losses | 1,616,000 | 1,607,000 | 1,542,000 | 1,541,000 |
| Securities available for sale | 44,465,000 | 43,547,000 | 44,033,000 | 43,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,879,000 | 123,578,000 | 126,109,000 | 127,403,000 |
| Interest-bearing deposits | 103,941,000 | 101,695,000 | 103,963,000 | 103,532,000 |
| Noninterest-bearing deposits | 23,938,000 | 21,883,000 | 22,146,000 | 23,871,000 |
| Equity capital | 15,507,000 | 15,002,000 | 15,461,000 | 15,631,000 |
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 | 1,321,000 | 2,645,000 | 4,000,000 | 5,363,000 |
| Interest expense | 112,000 | 219,000 | 324,000 | 438,000 |
| Net interest income | 1,209,000 | 2,426,000 | 3,676,000 | 4,925,000 |
| Noninterest income | 68,000 | 188,000 | 307,000 | 421,000 |
| Noninterest expense | 721,000 | 1,498,000 | 2,277,000 | 3,096,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 556,000 | 1,153,000 | 1,757,000 | 2,297,000 |
| Income tax | 157,000 | 318,000 | 477,000 | 611,000 |
| Net income | 399,000 | 835,000 | 1,280,000 | 1,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,820,000 | 15,104,000 | 15,401,000 | 15,656,000 |
| Total capital | 16,038,000 | 16,391,000 | 16,708,000 | 17,071,000 |
| Risk-weighted assets | 97,010,000 | 102,657,000 | 104,342,000 | 113,052,000 |