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 | 33,855,000 | 33,831,000 | 32,727,000 | 34,131,000 |
| Total loans | 21,678,000 | 22,766,000 | 23,565,000 | 24,528,000 |
| Allowance for loan losses | 332,000 | 332,000 | 324,000 | 325,000 |
| Securities available for sale | 2,523,000 | 3,095,000 | 2,316,000 | 2,099,000 |
| Securities held to maturity | 1,167,000 | 2,277,000 | 1,960,000 | 1,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,378,000 | 28,928,000 | 28,244,000 | 29,705,000 |
| Interest-bearing deposits | 22,869,000 | 23,054,000 | 22,862,000 | 23,060,000 |
| Noninterest-bearing deposits | 6,509,000 | 5,874,000 | 5,382,000 | 6,645,000 |
| Equity capital | 2,962,000 | 3,003,000 | 2,960,000 | 2,916,000 |
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 | 328,000 | 656,000 | 993,000 | 1,332,000 |
| Interest expense | 55,000 | 106,000 | 155,000 | 198,000 |
| Net interest income | 273,000 | 550,000 | 838,000 | 1,134,000 |
| Noninterest income | 26,000 | 61,000 | 109,000 | 155,000 |
| Noninterest expense | 214,000 | 494,000 | 788,000 | 1,164,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 85,000 | 117,000 | 159,000 | 125,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 85,000 | 117,000 | 159,000 | 118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,971,000 | 3,002,000 | 2,945,000 | 2,904,000 |
| Total capital | 3,238,000 | 3,282,000 | 3,218,000 | 3,186,000 |
| Risk-weighted assets | 21,293,000 | 22,377,000 | 21,963,000 | 22,480,000 |