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 | 17,697,000 | 17,517,000 | 16,072,000 | 17,428,000 |
| Total loans | 11,886,000 | 12,403,000 | 13,390,000 | 13,675,000 |
| Allowance for loan losses | 93,000 | 94,000 | 95,000 | 95,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 45,000 | 45,000 | 45,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,432,000 | 14,234,000 | 12,996,000 | 14,381,000 |
| Interest-bearing deposits | 12,202,000 | 12,235,000 | 11,324,000 | 11,444,000 |
| Noninterest-bearing deposits | 2,230,000 | 1,999,000 | 1,672,000 | 2,937,000 |
| Equity capital | 1,365,000 | 1,394,000 | 1,427,000 | 1,397,000 |
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 | 195,000 | 402,000 | 616,000 | 818,000 |
| Interest expense | 29,000 | 59,000 | 87,000 | 117,000 |
| Net interest income | 166,000 | 343,000 | 529,000 | 701,000 |
| Noninterest income | 22,000 | 49,000 | 69,000 | 86,000 |
| Noninterest expense | 136,000 | 300,000 | 458,000 | 662,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 52,000 | 92,000 | 140,000 | 125,000 |
| Income tax | 10,000 | 21,000 | 36,000 | 51,000 |
| Net income | 42,000 | 71,000 | 104,000 | 74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,365,000 | 1,394,000 | 1,427,000 | 1,397,000 |
| Total capital | 1,458,000 | 1,488,000 | 1,522,000 | 1,492,000 |
| Risk-weighted assets | 9,145,000 | 9,349,000 | 9,727,000 | 10,078,000 |