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 |
|---|---|---|---|
| Total assets | 73,283,000 | 72,414,000 | 72,071,000 |
| Total loans | 48,271,000 | 47,865,000 | 46,202,000 |
| Allowance for loan losses | 677,000 | 553,000 | 535,000 |
| Securities available for sale | 12,163,000 | 14,101,000 | 14,503,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 65,278,000 | 64,352,000 | 63,687,000 |
| Interest-bearing deposits | 53,740,000 | 52,790,000 | 50,973,000 |
| Noninterest-bearing deposits | 11,538,000 | 11,562,000 | 12,714,000 |
| Equity capital | 7,357,000 | 7,449,000 | 7,721,000 |
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 |
|---|---|---|---|
| Interest income | 923,000 | 1,793,000 | 2,859,000 |
| Interest expense | 137,000 | 258,000 | 366,000 |
| Net interest income | 786,000 | 1,535,000 | 2,493,000 |
| Noninterest income | 89,000 | 166,000 | 257,000 |
| Noninterest expense | 630,000 | 1,320,000 | 2,036,000 |
| Provision for loan losses | 140,000 | 140,000 | 140,000 |
| Pretax income | 301,000 | 471,000 | 804,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 301,000 | 471,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 6,907,000 | 6,951,000 | 7,202,000 |
| Total capital | 7,508,000 | 7,504,000 | 7,737,000 |
| Risk-weighted assets | 48,056,000 | 46,539,000 | 44,936,000 |