Call reports 2019
CITIZENS STATE BANK — 2019
What CITIZENS STATE BANK 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 | 120,229,000 | 127,054,000 | 125,913,000 | 132,683,000 |
| Total loans | 94,601,000 | 96,227,000 | 96,247,000 | 96,684,000 |
| Allowance for loan losses | 1,415,000 | 1,424,000 | 1,430,000 | 1,397,000 |
| Securities available for sale | 6,440,000 | 6,263,000 | 5,990,000 | 6,778,000 |
| Securities held to maturity | 10,705,000 | 8,918,000 | 8,702,000 | 9,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,768,000 | 109,053,000 | 107,511,000 | 114,050,000 |
| Interest-bearing deposits | 76,303,000 | 84,250,000 | 82,034,000 | 86,461,000 |
| Noninterest-bearing deposits | 24,465,000 | 24,803,000 | 25,477,000 | 27,589,000 |
| Equity capital | 17,583,000 | 17,782,000 | 18,102,000 | 18,522,000 |
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 | 1,192,000 | 2,472,000 | 3,765,000 | 5,060,000 |
| Interest expense | 151,000 | 347,000 | 544,000 | 755,000 |
| Net interest income | 1,041,000 | 2,125,000 | 3,221,000 | 4,305,000 |
| Noninterest income | 95,000 | 187,000 | 277,000 | 476,000 |
| Noninterest expense | 664,000 | 1,341,000 | 2,001,000 | 2,698,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 463,000 | 953,000 | 1,470,000 | 2,077,000 |
| Income tax | 23,000 | 48,000 | 74,000 | 99,000 |
| Net income | 440,000 | 905,000 | 1,396,000 | 1,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,131,000 | 16,259,000 | 16,582,000 | 16,995,000 |
| Total capital | 17,318,000 | 17,504,000 | 17,805,000 | 18,247,000 |
| Risk-weighted assets | 94,730,000 | 99,405,000 | 97,607,000 | 100,004,000 |