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 | 222,714,000 | 222,398,000 | 219,111,000 | 232,921,000 |
| Total loans | 136,853,000 | 135,420,000 | 143,681,000 | 160,523,000 |
| Allowance for loan losses | 2,189,000 | 2,212,000 | 2,203,000 | 2,115,000 |
| Securities available for sale | 64,243,000 | 63,743,000 | 57,666,000 | 51,324,000 |
| Securities held to maturity | 1,040,000 | 1,590,000 | 1,253,000 | 1,062,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,588,000 | 193,337,000 | 189,395,000 | 199,245,000 |
| Interest-bearing deposits | 170,514,000 | 173,573,000 | 170,365,000 | 174,897,000 |
| Noninterest-bearing deposits | 20,074,000 | 19,764,000 | 19,030,000 | 24,348,000 |
| Equity capital | 24,798,000 | 23,681,000 | 23,857,000 | 24,690,000 |
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 | 2,198,000 | 4,341,000 | 6,508,000 | 8,795,000 |
| Interest expense | 383,000 | 752,000 | 1,110,000 | 1,449,000 |
| Net interest income | 1,815,000 | 3,589,000 | 5,398,000 | 7,346,000 |
| Noninterest income | 343,000 | 668,000 | 947,000 | 1,175,000 |
| Noninterest expense | 1,236,000 | 2,511,000 | 3,854,000 | 5,198,000 |
| Provision for loan losses | 120,000 | 180,000 | 180,000 | 180,000 |
| Pretax income | 803,000 | 1,574,000 | 2,323,000 | 3,176,000 |
| Income tax | 10,000 | 17,000 | 26,000 | 43,000 |
| Net income | 793,000 | 1,557,000 | 2,297,000 | 3,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,401,000 | 21,380,000 | 21,810,000 | 22,647,000 |
| Total capital | 23,316,000 | 23,260,000 | 23,771,000 | 24,762,000 |
| Risk-weighted assets | 152,906,000 | 149,333,000 | 155,917,000 | 172,325,000 |