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 | 186,207,000 | 188,685,000 | 191,076,000 | 197,596,000 |
| Total loans | 55,833,000 | 58,751,000 | 60,559,000 | 64,531,000 |
| Allowance for loan losses | 709,000 | 740,000 | 788,000 | 809,000 |
| Securities available for sale | 111,406,000 | 116,029,000 | 117,754,000 | 119,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,333,000 | 163,524,000 | 165,152,000 | 173,048,000 |
| Interest-bearing deposits | 119,476,000 | 119,113,000 | 119,283,000 | 124,125,000 |
| Noninterest-bearing deposits | 42,857,000 | 44,411,000 | 45,869,000 | 48,923,000 |
| Equity capital | 21,684,000 | 22,391,000 | 23,329,000 | 22,395,000 |
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 | 1,652,000 | 3,331,000 | 5,022,000 | 6,704,000 |
| Interest expense | 227,000 | 438,000 | 637,000 | 822,000 |
| Net interest income | 1,425,000 | 2,893,000 | 4,385,000 | 5,882,000 |
| Noninterest income | 234,000 | 465,000 | 673,000 | 885,000 |
| Noninterest expense | 1,072,000 | 2,153,000 | 3,258,000 | 4,457,000 |
| Provision for loan losses | 22,000 | 56,000 | 106,000 | 143,000 |
| Pretax income | 854,000 | 1,580,000 | 2,372,000 | 2,925,000 |
| Income tax | 169,000 | 299,000 | 434,000 | 481,000 |
| Net income | 685,000 | 1,281,000 | 1,938,000 | 2,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,747,000 | 19,942,000 | 20,599,000 | 20,064,000 |
| Total capital | 20,456,000 | 20,682,000 | 21,387,000 | 20,873,000 |
| Risk-weighted assets | 77,359,000 | 79,216,000 | 80,329,000 | 83,670,000 |