Call reports 2020
CITIZENS STATE BANK, THE — 2020
What CITIZENS STATE BANK, THE 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 | 204,024,000 | 227,548,000 | 235,439,000 | 243,480,000 |
| Total loans | 125,026,000 | 136,899,000 | 129,962,000 | 125,541,000 |
| Allowance for loan losses | 1,370,000 | 1,372,000 | 1,806,000 | 1,808,000 |
| Securities available for sale | 41,121,000 | 42,151,000 | 47,947,000 | 52,617,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,344,000 | 201,052,000 | 209,200,000 | 220,193,000 |
| Interest-bearing deposits | 131,862,000 | 142,930,000 | 141,416,000 | 149,189,000 |
| Noninterest-bearing deposits | 50,482,000 | 58,122,000 | 67,784,000 | 71,004,000 |
| Equity capital | 20,720,000 | 21,942,000 | 22,107,000 | 22,348,000 |
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 | 2,153,000 | 4,175,000 | 6,144,000 | 8,178,000 |
| Interest expense | 238,000 | 414,000 | 571,000 | 702,000 |
| Net interest income | 1,915,000 | 3,761,000 | 5,573,000 | 7,476,000 |
| Noninterest income | 275,000 | 499,000 | 877,000 | 1,137,000 |
| Noninterest expense | 1,374,000 | 2,517,000 | 3,904,000 | 5,589,000 |
| Provision for loan losses | 0 | 0 | 412,000 | 412,000 |
| Pretax income | 816,000 | 1,743,000 | 2,134,000 | 2,612,000 |
| Income tax | 186,000 | 340,000 | 415,000 | 514,000 |
| Net income | 630,000 | 1,403,000 | 1,719,000 | 2,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,535,000 | 21,112,000 | 21,279,000 | 21,525,000 |