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 | 140,306,000 | 139,950,000 | 138,875,000 | 146,479,000 |
| Total loans | 92,825,000 | 95,533,000 | 94,949,000 | 94,340,000 |
| Allowance for loan losses | 2,122,000 | 2,041,000 | 1,934,000 | 1,607,000 |
| Securities available for sale | 23,792,000 | 22,404,000 | 23,577,000 | 26,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,261,000 | 128,251,000 | 128,522,000 | 135,398,000 |
| Interest-bearing deposits | 104,663,000 | 102,125,000 | 101,012,000 | 105,020,000 |
| Noninterest-bearing deposits | 26,598,000 | 26,126,000 | 27,510,000 | 30,378,000 |
| Equity capital | 8,300,000 | 7,836,000 | 7,952,000 | 8,691,000 |
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 | 1,223,000 | 2,504,000 | 3,786,000 | 5,083,000 |
| Interest expense | 140,000 | 265,000 | 380,000 | 478,000 |
| Net interest income | 1,083,000 | 2,239,000 | 3,406,000 | 4,605,000 |
| Noninterest income | 36,000 | 152,000 | 334,000 | 523,000 |
| Noninterest expense | 1,177,000 | 2,325,000 | 3,561,000 | 4,837,000 |
| Provision for loan losses | 0 | 0 | 0 | -300,000 |
| Pretax income | -58,000 | 88,000 | 201,000 | 613,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -58,000 | 88,000 | 201,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,459,000 | 7,605,000 | 7,718,000 | 8,630,000 |
| Total capital | 8,667,000 | 8,783,000 | 8,933,000 | 9,805,000 |
| Risk-weighted assets | 95,364,000 | 96,384,000 | 96,457,000 | 93,940,000 |