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 | 67,024,000 | 65,364,000 | 65,324,000 | 59,383,000 |
| Total loans | 42,742,000 | 42,452,000 | 38,867,000 | 40,046,000 |
| Allowance for loan losses | 1,047,000 | 1,110,000 | 1,185,000 | 1,187,000 |
| Securities available for sale | 2,300,000 | 2,260,000 | 2,295,000 | 2,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,319,000 | 60,685,000 | 60,785,000 | 54,998,000 |
| Interest-bearing deposits | 53,158,000 | 51,386,000 | 50,227,000 | 45,803,000 |
| Noninterest-bearing deposits | 9,161,000 | 9,299,000 | 10,558,000 | 9,195,000 |
| Equity capital | 4,448,000 | 4,387,000 | 4,269,000 | 4,205,000 |
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 | 596,000 | 1,196,000 | 1,809,000 | 2,302,000 |
| Interest expense | 110,000 | 208,000 | 298,000 | 377,000 |
| Net interest income | 486,000 | 988,000 | 1,511,000 | 1,925,000 |
| Noninterest income | 101,000 | 104,000 | 42,000 | 41,000 |
| Noninterest expense | 687,000 | 1,444,000 | 2,192,000 | 3,217,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | -175,000 | -502,000 | -864,000 | -1,476,000 |
| Income tax | -70,000 | -196,000 | -335,000 | -380,000 |
| Net income | -105,000 | -306,000 | -529,000 | -1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,439,000 | 3,359,000 | 3,210,000 | 3,299,000 |
| Total capital | 4,047,000 | 3,961,000 | 3,768,000 | 3,866,000 |
| Risk-weighted assets | 48,189,000 | 47,671,000 | 43,981,000 | 44,779,000 |