Call reports 2021
CITIZENS STATE BANK — 2021
What CITIZENS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 158,552,000 | 161,838,000 | 165,458,000 | 174,624,000 |
| Total loans | 95,060,000 | 89,791,000 | 87,472,000 | 91,162,000 |
| Allowance for loan losses | 1,355,000 | 1,364,000 | 1,373,000 | 1,369,000 |
| Securities available for sale | 19,574,000 | 22,022,000 | 23,978,000 | 28,719,000 |
| Securities held to maturity | 12,691,000 | 15,812,000 | 18,022,000 | 20,136,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,880,000 | 141,799,000 | 145,190,000 | 154,568,000 |
| Interest-bearing deposits | 102,705,000 | 104,144,000 | 106,274,000 | 110,078,000 |
| Noninterest-bearing deposits | 36,175,000 | 37,655,000 | 38,915,000 | 44,490,000 |
| Equity capital | 19,469,000 | 19,791,000 | 19,948,000 | 19,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,195,000 | 2,684,000 | 3,778,000 | 4,872,000 |
| Interest expense | 134,000 | 262,000 | 381,000 | 492,000 |
| Net interest income | 1,061,000 | 2,422,000 | 3,397,000 | 4,380,000 |
| Noninterest income | 120,000 | 241,000 | 365,000 | 623,000 |
| Noninterest expense | 693,000 | 1,367,000 | 2,064,000 | 2,810,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 475,000 | 1,290,000 | 1,685,000 | 2,176,000 |
| Income tax | 29,000 | 65,000 | 84,000 | 105,000 |
| Net income | 446,000 | 1,225,000 | 1,601,000 | 2,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,113,000 | 18,422,000 | 18,613,000 | 18,899,000 |