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 | 16,797,000 | 15,913,000 | 15,693,000 | 16,609,000 |
| Total loans | 10,991,000 | 12,677,000 | 13,480,000 | 12,557,000 |
| Allowance for loan losses | 91,000 | 92,000 | 93,000 | 93,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,176,000 | 12,756,000 | 12,470,000 | 13,375,000 |
| Interest-bearing deposits | 11,595,000 | 11,497,000 | 11,097,000 | 11,525,000 |
| Noninterest-bearing deposits | 1,581,000 | 1,259,000 | 1,373,000 | 1,850,000 |
| Equity capital | 1,231,000 | 1,261,000 | 1,313,000 | 1,323,000 |
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 | 202,000 | 415,000 | 644,000 | 860,000 |
| Interest expense | 50,000 | 95,000 | 133,000 | 173,000 |
| Net interest income | 152,000 | 320,000 | 511,000 | 687,000 |
| Noninterest income | 24,000 | 46,000 | 68,000 | 94,000 |
| Noninterest expense | 140,000 | 291,000 | 445,000 | 630,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 36,000 | 75,000 | 134,000 | 151,000 |
| Income tax | 10,000 | 19,000 | 26,000 | 33,000 |
| Net income | 26,000 | 56,000 | 108,000 | 118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,231,000 | 1,261,000 | 1,313,000 | 1,323,000 |
| Total capital | 1,322,000 | 1,353,000 | 1,406,000 | 1,416,000 |
| Risk-weighted assets | 8,570,000 | 9,249,000 | 9,717,000 | 9,897,000 |