Call reports 2013
CITY STATE BANK OF PALACIOS, THE — 2013
What CITY STATE BANK OF PALACIOS, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Total assets | 55,014,000 | 52,032,000 |
| Total loans | 22,120,000 | 23,346,000 |
| Allowance for loan losses | 394,000 | 307,000 |
| Securities available for sale | 24,878,000 | 22,797,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 48,688,000 | 46,270,000 |
| Interest-bearing deposits | 27,945,000 | 27,109,000 |
| Noninterest-bearing deposits | 20,743,000 | 19,161,000 |
| Equity capital | 5,905,000 | 5,495,000 |
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 |
|---|---|---|
| Interest income | 481,000 | 963,000 |
| Interest expense | 37,000 | 69,000 |
| Net interest income | 444,000 | 894,000 |
| Noninterest income | 35,000 | 90,000 |
| Noninterest expense | 444,000 | 961,000 |
| Provision for loan losses | 25,000 | 30,000 |
| Pretax income | 102,000 | 87,000 |
| Income tax | 8,000 | -14,000 |
| Net income | 94,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Tier 1 capital | 5,680,000 | 5,637,000 |
| Total capital | 6,002,000 | 5,919,000 |
| Risk-weighted assets | 25,650,000 | 22,504,000 |