Call reports 2016
CITIZENS STATE BANK — 2016
What CITIZENS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 806,915,000 | 810,683,000 | 855,001,000 | 889,311,000 |
| Total loans | 106,079,000 | 111,043,000 | 114,429,000 | 139,100,000 |
| Allowance for loan losses | 1,978,000 | 1,977,000 | 1,988,000 | 2,108,000 |
| Securities available for sale | 664,609,000 | 666,402,000 | 684,490,000 | 702,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 709,490,000 | 699,374,000 | 740,349,000 | 795,122,000 |
| Interest-bearing deposits | 647,655,000 | 631,992,000 | 671,246,000 | 699,092,000 |
| Noninterest-bearing deposits | 61,835,000 | 67,382,000 | 69,103,000 | 96,030,000 |
| Equity capital | 92,237,000 | 103,644,000 | 107,640,000 | 91,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,640,000 | 13,193,000 | 19,713,000 | 26,841,000 |
| Interest expense | 1,674,000 | 3,353,000 | 5,065,000 | 6,846,000 |
| Net interest income | 4,966,000 | 9,840,000 | 14,648,000 | 19,995,000 |
| Noninterest income | 609,000 | 1,192,000 | 1,747,000 | 2,372,000 |
| Noninterest expense | 2,609,000 | 5,187,000 | 8,195,000 | 12,884,000 |
| Provision for loan losses | 15,000 | 30,000 | 49,000 | 192,000 |
| Pretax income | 3,264,000 | 6,660,000 | 9,594,000 | 10,910,000 |
| Income tax | 488,000 | 1,001,000 | 1,438,000 | 1,508,000 |
| Net income | 2,776,000 | 5,659,000 | 8,156,000 | 9,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,077,000 | 79,660,000 | 84,843,000 | 91,491,000 |
| Total capital | 80,055,000 | 81,636,000 | 86,831,000 | 93,599,000 |
| Risk-weighted assets | 276,700,000 | 278,808,000 | 291,493,000 | 323,728,000 |