Call reports 2012
CITY STATE BANK OF PALACIOS, THE — 2012
What CITY STATE BANK OF PALACIOS, THE 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 | 56,316,000 | 52,092,000 | 56,424,000 | 58,603,000 |
| Total loans | 22,387,000 | 25,090,000 | 21,157,000 | 21,859,000 |
| Allowance for loan losses | 360,000 | 388,000 | 377,000 | 367,000 |
| Securities available for sale | 28,513,000 | 24,522,000 | 26,841,000 | 27,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,133,000 | 45,666,000 | 49,682,000 | 52,028,000 |
| Interest-bearing deposits | 29,737,000 | 31,699,000 | 31,796,000 | 27,969,000 |
| Noninterest-bearing deposits | 20,396,000 | 13,967,000 | 17,886,000 | 24,059,000 |
| Equity capital | 5,776,000 | 5,934,000 | 6,129,000 | 6,018,000 |
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 | 509,000 | 1,057,000 | 1,577,000 | 2,066,000 |
| Interest expense | 60,000 | 111,000 | 159,000 | 201,000 |
| Net interest income | 449,000 | 946,000 | 1,418,000 | 1,865,000 |
| Noninterest income | 57,000 | 120,000 | 178,000 | 251,000 |
| Noninterest expense | 429,000 | 842,000 | 1,260,000 | 1,707,000 |
| Provision for loan losses | -82,000 | -68,000 | -43,000 | -43,000 |
| Pretax income | 195,000 | 380,000 | 518,000 | 594,000 |
| Income tax | 44,000 | 86,000 | 113,000 | 91,000 |
| Net income | 151,000 | 294,000 | 405,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,393,000 | 5,537,000 | 5,648,000 | 5,661,000 |
| Total capital | 5,724,000 | 5,816,000 | 5,940,000 | 5,948,000 |
| Risk-weighted assets | 26,433,000 | 22,081,000 | 23,277,000 | 22,875,000 |