Call reports 2016
CITIZENS STATE BANK, THE — 2016
What CITIZENS STATE BANK, THE 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 | 183,050,000 | 184,366,000 | 179,608,000 | 188,805,000 |
| Total loans | 132,086,000 | 133,753,000 | 129,531,000 | 129,682,000 |
| Allowance for loan losses | 1,103,000 | 1,107,000 | 1,104,000 | 1,113,000 |
| Securities available for sale | 31,003,000 | 30,163,000 | 26,634,000 | 27,683,000 |
| Securities held to maturity | 2,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,616,000 | 166,787,000 | 164,319,000 | 173,678,000 |
| Interest-bearing deposits | 117,150,000 | 119,941,000 | 117,615,000 | 125,171,000 |
| Noninterest-bearing deposits | 47,466,000 | 46,846,000 | 46,704,000 | 48,507,000 |
| Equity capital | 14,263,000 | 14,464,000 | 14,675,000 | 14,560,000 |
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 | 1,769,000 | 3,604,000 | 5,417,000 | 7,215,000 |
| Interest expense | 96,000 | 199,000 | 303,000 | 405,000 |
| Net interest income | 1,673,000 | 3,405,000 | 5,114,000 | 6,810,000 |
| Noninterest income | 165,000 | 326,000 | 501,000 | 681,000 |
| Noninterest expense | 1,235,000 | 2,469,000 | 3,730,000 | 5,279,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 50,000 |
| Pretax income | 578,000 | 1,237,000 | 1,860,000 | 2,162,000 |
| Income tax | 196,000 | 420,000 | 631,000 | 731,000 |
| Net income | 382,000 | 817,000 | 1,229,000 | 1,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,735,000 | 13,887,000 | 14,067,000 | 14,235,000 |
| Total capital | 14,838,000 | 14,994,000 | 15,171,000 | 15,348,000 |
| Risk-weighted assets | 129,061,000 | 130,993,000 | 127,258,000 | 128,994,000 |