Call reports 2020
CITIZENS STATE BANK — 2020
What CITIZENS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,133,219,000 | 1,183,184,000 | 1,182,239,000 | 1,212,864,000 |
| Total loans | 194,581,000 | 194,356,000 | 193,260,000 | 195,485,000 |
| Allowance for loan losses | 3,035,000 | 3,468,000 | 3,728,000 | 3,822,000 |
| Securities available for sale | 870,782,000 | 919,367,000 | 910,350,000 | 931,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 981,985,000 | 1,020,937,000 | 1,011,831,000 | 1,037,186,000 |
| Interest-bearing deposits | 843,883,000 | 846,860,000 | 842,305,000 | 860,887,000 |
| Noninterest-bearing deposits | 138,102,000 | 174,077,000 | 169,526,000 | 176,299,000 |
| Equity capital | 140,241,000 | 150,390,000 | 158,189,000 | 163,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,718,000 | 17,522,000 | 25,877,000 | 34,052,000 |
| Interest expense | 3,430,000 | 6,540,000 | 9,056,000 | 11,245,000 |
| Net interest income | 5,288,000 | 10,982,000 | 16,821,000 | 22,807,000 |
| Noninterest income | 704,000 | 1,342,000 | 2,018,000 | 2,719,000 |
| Noninterest expense | 4,166,000 | 7,949,000 | 11,796,000 | 15,848,000 |
| Provision for loan losses | 448,000 | 920,000 | 1,189,000 | 1,406,000 |
| Pretax income | 5,045,000 | 8,497,000 | 12,686,000 | 15,435,000 |
| Income tax | 0 | -577,000 | -1,209,000 | -1,218,000 |
| Net income | 5,045,000 | 9,074,000 | 13,895,000 | 16,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,758,000 | 117,413,000 | 122,310,000 | 123,694,000 |