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 | 35,186,000 | 34,348,000 | 34,831,000 | 35,674,000 |
| Total loans | 23,734,000 | 25,130,000 | 25,979,000 | 27,317,000 |
| Allowance for loan losses | 325,000 | 325,000 | 325,000 | 317,000 |
| Securities available for sale | 3,128,000 | 2,776,000 | 2,535,000 | 2,482,000 |
| Securities held to maturity | 2,200,000 | 2,595,000 | 2,042,000 | 2,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,662,000 | 29,784,000 | 29,377,000 | 29,015,000 |
| Interest-bearing deposits | 24,101,000 | 23,332,000 | 22,927,000 | 20,584,000 |
| Noninterest-bearing deposits | 6,562,000 | 6,453,000 | 6,450,000 | 8,431,000 |
| Equity capital | 3,010,000 | 3,046,000 | 2,939,000 | 2,955,000 |
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 | 315,000 | 649,000 | 984,000 | 1,329,000 |
| Interest expense | 40,000 | 78,000 | 116,000 | 153,000 |
| Net interest income | 275,000 | 571,000 | 868,000 | 1,176,000 |
| Noninterest income | 31,000 | 99,000 | 145,000 | 177,000 |
| Noninterest expense | 209,000 | 506,000 | 841,000 | 1,157,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 97,000 | 164,000 | 173,000 | 197,000 |
| Income tax | 0 | 1,000 | 4,000 | 8,000 |
| Net income | 97,000 | 163,000 | 169,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,001,000 | 3,067,000 | 2,973,000 | 2,992,000 |
| Total capital | 3,286,000 | 3,361,000 | 3,275,000 | 3,308,000 |
| Risk-weighted assets | 22,026,000 | 23,467,000 | 24,149,000 | 25,299,000 |