Call reports 2016
CITIZENS STATE BANK - MIDWEST — 2016
What CITIZENS STATE BANK - MIDWEST 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 | 117,638,000 | 117,609,000 | 121,224,000 | 118,851,000 |
| Total loans | 90,004,000 | 88,907,000 | 94,664,000 | 90,384,000 |
| Allowance for loan losses | 1,482,000 | 1,526,000 | 1,528,000 | 1,531,000 |
| Securities available for sale | 17,397,000 | 17,067,000 | 17,201,000 | 16,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,912,000 | 102,267,000 | 101,032,000 | 103,114,000 |
| Interest-bearing deposits | 83,153,000 | 81,326,000 | 77,965,000 | 80,840,000 |
| Noninterest-bearing deposits | 18,759,000 | 20,941,000 | 23,067,000 | 22,274,000 |
| Equity capital | 14,152,000 | 14,296,000 | 14,486,000 | 14,697,000 |
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 | 1,118,000 | 2,252,000 | 3,415,000 | 4,755,000 |
| Interest expense | 74,000 | 150,000 | 219,000 | 314,000 |
| Net interest income | 1,044,000 | 2,102,000 | 3,196,000 | 4,441,000 |
| Noninterest income | 119,000 | 247,000 | 374,000 | 490,000 |
| Noninterest expense | 795,000 | 1,562,000 | 2,324,000 | 3,077,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 374,000 | 793,000 | 1,364,000 | 1,971,000 |
| Income tax | 125,000 | 261,000 | 522,000 | 757,000 |
| Net income | 249,000 | 532,000 | 842,000 | 1,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,734,000 | 12,938,000 | 13,690,000 | 14,091,000 |
| Total capital | 13,948,000 | 14,155,000 | 14,973,000 | 15,337,000 |
| Risk-weighted assets | 95,398,000 | 95,776,000 | 101,124,000 | 97,605,000 |