Call reports 2020
CITIZENS STATE BANK — 2020
What CITIZENS STATE BANK 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 | 134,506,000 | 140,935,000 | 143,471,000 | 150,946,000 |
| Total loans | 98,611,000 | 99,805,000 | 97,334,000 | 92,601,000 |
| Allowance for loan losses | 1,406,000 | 1,334,000 | 1,343,000 | 1,346,000 |
| Securities available for sale | 6,569,000 | 6,669,000 | 9,564,000 | 12,802,000 |
| Securities held to maturity | 8,832,000 | 9,071,000 | 12,110,000 | 12,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,467,000 | 121,685,000 | 123,941,000 | 131,378,000 |
| Interest-bearing deposits | 89,781,000 | 91,421,000 | 90,516,000 | 94,878,000 |
| Noninterest-bearing deposits | 25,687,000 | 30,264,000 | 33,426,000 | 36,500,000 |
| Equity capital | 18,828,000 | 19,017,000 | 19,230,000 | 19,465,000 |
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 | 1,284,000 | 2,694,000 | 3,909,000 | 5,066,000 |
| Interest expense | 208,000 | 382,000 | 545,000 | 690,000 |
| Net interest income | 1,076,000 | 2,312,000 | 3,364,000 | 4,376,000 |
| Noninterest income | 99,000 | 207,000 | 335,000 | 554,000 |
| Noninterest expense | 698,000 | 1,379,000 | 2,065,000 | 2,776,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 483,000 | 1,114,000 | 1,599,000 | 2,114,000 |
| Income tax | 24,000 | 56,000 | 80,000 | 106,000 |
| Net income | 459,000 | 1,058,000 | 1,519,000 | 2,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,172,000 | 17,358,000 | 17,584,000 | 17,836,000 |