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 | 136,019,000 | 132,551,000 | 135,925,000 | 136,923,000 |
| Total loans | 87,406,000 | 87,400,000 | 87,291,000 | 87,180,000 |
| Allowance for loan losses | 2,664,000 | 2,299,000 | 2,175,000 | 2,164,000 |
| Securities available for sale | 20,912,000 | 21,616,000 | 21,766,000 | 21,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,566,000 | 123,471,000 | 126,362,000 | 127,388,000 |
| Interest-bearing deposits | 101,378,000 | 96,335,000 | 98,515,000 | 100,915,000 |
| Noninterest-bearing deposits | 26,188,000 | 27,135,000 | 27,848,000 | 26,472,000 |
| Equity capital | 7,827,000 | 8,325,000 | 8,844,000 | 8,414,000 |
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 | 1,402,000 | 2,784,000 | 4,122,000 | 5,417,000 |
| Interest expense | 196,000 | 378,000 | 549,000 | 710,000 |
| Net interest income | 1,206,000 | 2,406,000 | 3,573,000 | 4,707,000 |
| Noninterest income | 111,000 | 132,000 | 384,000 | 405,000 |
| Noninterest expense | 1,153,000 | 2,346,000 | 3,453,000 | 4,974,000 |
| Provision for loan losses | 0 | -250,000 | -250,000 | -250,000 |
| Pretax income | 103,000 | 384,000 | 696,000 | 589,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | 384,000 | 696,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,031,000 | 7,311,000 | 7,624,000 | 7,517,000 |
| Total capital | 8,232,000 | 8,496,000 | 8,805,000 | 8,677,000 |
| Risk-weighted assets | 94,646,000 | 93,698,000 | 93,517,000 | 91,825,000 |