Call reports 2016
CITIZENS STATE BANK — 2016
What CITIZENS STATE BANK 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 | 117,983,000 | 117,177,000 | 116,447,000 | 121,663,000 |
| Total loans | 83,221,000 | 84,750,000 | 85,224,000 | 88,270,000 |
| Allowance for loan losses | 1,260,000 | 1,276,000 | 1,298,000 | 1,315,000 |
| Securities available for sale | 6,640,000 | 7,854,000 | 6,966,000 | 7,978,000 |
| Securities held to maturity | 13,194,000 | 12,812,000 | 12,687,000 | 13,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,571,000 | 101,679,000 | 100,671,000 | 105,850,000 |
| Interest-bearing deposits | 81,072,000 | 79,193,000 | 79,099,000 | 80,780,000 |
| Noninterest-bearing deposits | 21,499,000 | 22,486,000 | 21,572,000 | 25,070,000 |
| Equity capital | 15,271,000 | 15,324,000 | 15,546,000 | 15,720,000 |
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 | 1,041,000 | 2,075,000 | 3,141,000 | 4,201,000 |
| Interest expense | 83,000 | 163,000 | 244,000 | 323,000 |
| Net interest income | 958,000 | 1,912,000 | 2,897,000 | 3,878,000 |
| Noninterest income | 100,000 | 188,000 | 283,000 | 461,000 |
| Noninterest expense | 634,000 | 1,281,000 | 1,909,000 | 2,550,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 406,000 | 783,000 | 1,217,000 | 1,717,000 |
| Income tax | 20,000 | 39,000 | 61,000 | 79,000 |
| Net income | 386,000 | 744,000 | 1,156,000 | 1,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,734,000 | 13,743,000 | 13,979,000 | 14,286,000 |
| Total capital | 14,775,000 | 14,815,000 | 15,057,000 | 15,411,000 |
| Risk-weighted assets | 83,089,000 | 85,567,000 | 86,050,000 | 89,851,000 |