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 | 69,588,000 | 68,433,000 | 68,756,000 | 66,731,000 |
| Total loans | 43,782,000 | 42,872,000 | 41,811,000 | 43,879,000 |
| Allowance for loan losses | 1,411,000 | 1,010,000 | 1,085,000 | 1,013,000 |
| Securities available for sale | 2,465,000 | 2,425,000 | 2,599,000 | 2,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,779,000 | 62,058,000 | 62,566,000 | 62,074,000 |
| Interest-bearing deposits | 55,849,000 | 54,118,000 | 55,277,000 | 53,751,000 |
| Noninterest-bearing deposits | 7,930,000 | 7,940,000 | 7,289,000 | 8,323,000 |
| Equity capital | 4,539,000 | 5,089,000 | 4,916,000 | 4,429,000 |
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 | 630,000 | 1,276,000 | 1,879,000 | 2,467,000 |
| Interest expense | 147,000 | 281,000 | 409,000 | 531,000 |
| Net interest income | 483,000 | 995,000 | 1,470,000 | 1,936,000 |
| Noninterest income | 37,000 | -34,000 | -40,000 | -273,000 |
| Noninterest expense | 673,000 | 1,442,000 | 2,121,000 | 2,990,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | -228,000 | -631,000 | -916,000 | -1,627,000 |
| Income tax | -91,000 | -246,000 | -357,000 | -582,000 |
| Net income | -137,000 | -385,000 | -559,000 | -1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,268,000 | 4,142,000 | 3,766,000 | 3,432,000 |
| Total capital | 3,905,000 | 4,781,000 | 4,387,000 | 4,060,000 |
| Risk-weighted assets | 50,212,000 | 50,747,000 | 49,186,000 | 49,885,000 |