Call reports 2019
CITIZENS STATE BANK, THE — 2019
What CITIZENS STATE BANK, THE 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 | 204,562,000 | 203,657,000 | 201,952,000 | 207,318,000 |
| Total loans | 133,227,000 | 134,959,000 | 126,671,000 | 127,915,000 |
| Allowance for loan losses | 1,367,000 | 1,369,000 | 1,371,000 | 1,372,000 |
| Securities available for sale | 27,716,000 | 28,397,000 | 30,638,000 | 36,217,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,562,000 | 183,788,000 | 181,277,000 | 186,424,000 |
| Interest-bearing deposits | 132,090,000 | 133,341,000 | 127,136,000 | 131,975,000 |
| Noninterest-bearing deposits | 53,473,000 | 50,448,000 | 54,142,000 | 54,449,000 |
| Equity capital | 18,113,000 | 19,034,000 | 19,800,000 | 20,133,000 |
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 | 2,220,000 | 4,521,000 | 6,804,000 | 9,015,000 |
| Interest expense | 246,000 | 509,000 | 776,000 | 1,022,000 |
| Net interest income | 1,974,000 | 4,012,000 | 6,028,000 | 7,993,000 |
| Noninterest income | 167,000 | 310,000 | 566,000 | 753,000 |
| Noninterest expense | 1,305,000 | 2,546,000 | 3,745,000 | 5,384,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 836,000 | 1,776,000 | 2,849,000 | 3,362,000 |
| Income tax | 190,000 | 409,000 | 657,000 | 772,000 |
| Net income | 646,000 | 1,367,000 | 2,192,000 | 2,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,123,000 | 18,799,000 | 19,624,000 | 19,949,000 |
| Total capital | 19,490,000 | 20,168,000 | 20,995,000 | 21,321,000 |
| Risk-weighted assets | 132,907,000 | 134,413,000 | 128,234,000 | 128,650,000 |