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 | 216,445,000 | 225,526,000 | 219,860,000 | 230,294,000 |
| Total loans | 128,932,000 | 133,388,000 | 135,173,000 | 146,948,000 |
| Allowance for loan losses | 1,674,000 | 1,818,000 | 1,928,000 | 2,065,000 |
| Securities available for sale | 64,296,000 | 67,578,000 | 68,061,000 | 64,421,000 |
| Securities held to maturity | 1,156,000 | 1,156,000 | 1,135,000 | 1,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,317,000 | 194,886,000 | 190,918,000 | 190,531,000 |
| Interest-bearing deposits | 165,234,000 | 171,345,000 | 167,892,000 | 165,898,000 |
| Noninterest-bearing deposits | 19,083,000 | 23,541,000 | 23,026,000 | 24,633,000 |
| Equity capital | 23,195,000 | 23,702,000 | 24,369,000 | 24,704,000 |
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 | 2,305,000 | 4,606,000 | 6,931,000 | 9,203,000 |
| Interest expense | 509,000 | 968,000 | 1,410,000 | 1,821,000 |
| Net interest income | 1,796,000 | 3,638,000 | 5,521,000 | 7,382,000 |
| Noninterest income | 295,000 | 905,000 | 1,218,000 | 1,588,000 |
| Noninterest expense | 1,235,000 | 2,525,000 | 3,754,000 | 5,046,000 |
| Provision for loan losses | 225,000 | 375,000 | 525,000 | 675,000 |
| Pretax income | 631,000 | 1,661,000 | 2,494,000 | 3,281,000 |
| Income tax | 11,000 | 24,000 | 35,000 | 54,000 |
| Net income | 620,000 | 1,637,000 | 2,459,000 | 3,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,721,000 | 20,119,000 | 20,514,000 | 21,205,000 |
| Total capital | 21,395,000 | 21,937,000 | 22,410,000 | 23,230,000 |
| Risk-weighted assets | 146,626,000 | 149,291,000 | 150,878,000 | 161,230,000 |