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 | 198,040,000 | 203,474,000 | 199,973,000 | 205,830,000 |
| Total loans | 66,735,000 | 70,926,000 | 74,244,000 | 72,424,000 |
| Allowance for loan losses | 824,000 | 827,000 | 843,000 | 836,000 |
| Securities available for sale | 124,027,000 | 121,403,000 | 117,571,000 | 119,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,331,000 | 171,613,000 | 175,783,000 | 182,934,000 |
| Interest-bearing deposits | 125,052,000 | 120,470,000 | 122,467,000 | 122,728,000 |
| Noninterest-bearing deposits | 48,279,000 | 51,143,000 | 53,316,000 | 60,206,000 |
| Equity capital | 22,687,000 | 20,829,000 | 20,895,000 | 20,513,000 |
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 | 1,668,000 | 3,386,000 | 5,146,000 | 6,909,000 |
| Interest expense | 172,000 | 339,000 | 507,000 | 674,000 |
| Net interest income | 1,496,000 | 3,047,000 | 4,639,000 | 6,235,000 |
| Noninterest income | 197,000 | 412,000 | 626,000 | 841,000 |
| Noninterest expense | 1,049,000 | 2,082,000 | 3,095,000 | 4,182,000 |
| Provision for loan losses | 6,000 | 11,000 | 30,000 | 25,000 |
| Pretax income | 910,000 | 1,720,000 | 2,570,000 | 3,299,000 |
| Income tax | 167,000 | 294,000 | 444,000 | 540,000 |
| Net income | 743,000 | 1,426,000 | 2,126,000 | 2,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,807,000 | 21,090,000 | 21,789,000 | 21,542,000 |
| Total capital | 21,631,000 | 21,917,000 | 22,632,000 | 22,378,000 |
| Risk-weighted assets | 85,502,000 | 89,222,000 | 91,647,000 | 90,997,000 |