Call reports 2019
CITIZENS STATE BANK — 2019
What CITIZENS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 962,674,000 | 979,523,000 | 978,882,000 | 1,077,439,000 |
| Total loans | 173,914,000 | 180,601,000 | 178,599,000 | 195,188,000 |
| Allowance for loan losses | 2,635,000 | 2,657,000 | 2,536,000 | 2,614,000 |
| Securities available for sale | 727,779,000 | 743,914,000 | 744,420,000 | 807,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 844,680,000 | 839,171,000 | 839,363,000 | 934,270,000 |
| Interest-bearing deposits | 736,333,000 | 728,245,000 | 724,421,000 | 790,039,000 |
| Noninterest-bearing deposits | 108,347,000 | 110,926,000 | 114,942,000 | 144,231,000 |
| Equity capital | 112,970,000 | 123,147,000 | 129,627,000 | 133,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,887,000 | 15,877,000 | 23,799,000 | 32,248,000 |
| Interest expense | 2,988,000 | 6,281,000 | 9,722,000 | 13,147,000 |
| Net interest income | 4,899,000 | 9,596,000 | 14,077,000 | 19,101,000 |
| Noninterest income | 645,000 | 1,323,000 | 2,049,000 | 2,795,000 |
| Noninterest expense | 3,580,000 | 7,112,000 | 10,771,000 | 14,800,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 166,000 |
| Pretax income | 1,951,000 | 4,109,000 | 6,397,000 | 8,088,000 |
| Income tax | -328,000 | -440,000 | -427,000 | -434,000 |
| Net income | 2,279,000 | 4,549,000 | 6,824,000 | 8,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,670,000 | 106,881,000 | 109,185,000 | 110,088,000 |
| Total capital | 109,305,000 | 109,538,000 | 111,721,000 | 112,702,000 |
| Risk-weighted assets | 389,117,000 | 402,874,000 | 397,722,000 | 439,846,000 |