Call reports 2012
CITIZENS STATE BANK OF SHAKOPEE — 2012
What CITIZENS STATE BANK OF SHAKOPEE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 22,533,000 | 19,987,000 | 20,754,000 |
| Total loans | 14,088,000 | 13,551,000 | 13,175,000 |
| Allowance for loan losses | 149,000 | 158,000 | 161,000 |
| Securities available for sale | 200,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 20,552,000 | 17,889,000 | 18,709,000 |
| Interest-bearing deposits | 15,184,000 | 14,958,000 | 15,067,000 |
| Noninterest-bearing deposits | 5,368,000 | 2,931,000 | 3,642,000 |
| Equity capital | 1,878,000 | 1,893,000 | 1,892,000 |
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 |
|---|---|---|---|
| Interest income | 188,000 | 375,000 | 553,000 |
| Interest expense | 22,000 | 43,000 | 62,000 |
| Net interest income | 166,000 | 332,000 | 491,000 |
| Noninterest income | 25,000 | 59,000 | 78,000 |
| Noninterest expense | 225,000 | 404,000 | 579,000 |
| Provision for loan losses | 15,000 | 20,000 | 24,000 |
| Pretax income | -49,000 | -33,000 | -34,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -49,000 | -33,000 | -34,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 1,793,000 | 1,808,000 | 1,807,000 |
| Total capital | 1,942,000 | 1,966,000 | 1,968,000 |
| Risk-weighted assets | 14,445,000 | 14,541,000 | 14,499,000 |