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 | 80,219,000 | 83,743,000 | 81,910,000 | 75,899,000 |
| Total loans | 24,072,000 | 23,724,000 | 22,816,000 | 20,926,000 |
| Allowance for loan losses | 558,000 | 559,000 | 476,000 | 476,000 |
| Securities available for sale | 47,885,000 | 52,031,000 | 51,076,000 | 46,490,000 |
| Securities held to maturity | 830,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,087,000 | 62,290,000 | 61,765,000 | 59,092,000 |
| Interest-bearing deposits | 52,260,000 | 56,628,000 | 55,676,000 | 52,968,000 |
| Noninterest-bearing deposits | 5,827,000 | 5,662,000 | 6,089,000 | 6,123,000 |
| Equity capital | 17,222,000 | 17,281,000 | 17,401,000 | 16,664,000 |
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 | 653,000 | 1,278,000 | 1,891,000 | 2,458,000 |
| Interest expense | 88,000 | 174,000 | 259,000 | 341,000 |
| Net interest income | 565,000 | 1,104,000 | 1,632,000 | 2,117,000 |
| Noninterest income | 93,000 | 184,000 | 273,000 | 371,000 |
| Noninterest expense | 435,000 | 855,000 | 1,310,000 | 1,769,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 252,000 | 463,000 | 641,000 | 763,000 |
| Income tax | 42,000 | 66,000 | 76,000 | 66,000 |
| Net income | 210,000 | 397,000 | 565,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,575,000 | 11,573,000 | 11,742,000 | 11,751,000 |
| Total capital | 12,008,000 | 12,025,000 | 12,161,000 | 12,148,000 |
| Risk-weighted assets | 34,546,000 | 36,052,000 | 33,464,000 | 31,690,000 |