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 | 11,964,000 | 11,018,000 | 11,310,000 | 12,533,000 |
| Total loans | 4,157,000 | 4,216,000 | 4,201,000 | 4,169,000 |
| Allowance for loan losses | 91,000 | 20,000 | 20,000 | 40,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 71,000 | 64,000 | 55,000 | 49,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,024,000 | 10,000,000 | 10,277,000 | 11,521,000 |
| Interest-bearing deposits | 8,106,000 | 7,195,000 | 7,296,000 | 7,615,000 |
| Noninterest-bearing deposits | 2,918,000 | 2,805,000 | 2,981,000 | 3,906,000 |
| Equity capital | 933,000 | 1,010,000 | 1,026,000 | 1,004,000 |
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 | 71,000 | 141,000 | 213,000 | 286,000 |
| Interest expense | 8,000 | 15,000 | 23,000 | 31,000 |
| Net interest income | 63,000 | 126,000 | 190,000 | 255,000 |
| Noninterest income | 3,000 | 7,000 | 11,000 | 16,000 |
| Noninterest expense | 55,000 | 110,000 | 160,000 | 215,000 |
| Provision for loan losses | 0 | -71,000 | -71,000 | -40,000 |
| Pretax income | 11,000 | 94,000 | 112,000 | 96,000 |
| Income tax | -1,000 | 3,000 | 5,000 | 5,000 |
| Net income | 12,000 | 91,000 | 107,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 933,000 | 1,010,000 | 1,026,000 | 1,004,000 |
| Total capital | 989,000 | 1,030,000 | 1,046,000 | 1,044,000 |
| Risk-weighted assets | 4,278,000 | 4,084,000 | 4,129,000 | 4,388,000 |