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 | 377,027,000 | 376,577,000 | 368,198,000 | 379,652,000 |
| Total loans | 232,528,000 | 230,639,000 | 226,441,000 | 231,268,000 |
| Allowance for loan losses | 2,503,000 | 2,508,000 | 2,507,000 | 2,503,000 |
| Securities available for sale | 121,434,000 | 123,375,000 | 117,494,000 | 123,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,278,000 | 307,018,000 | 304,658,000 | 316,955,000 |
| Interest-bearing deposits | 267,160,000 | 267,057,000 | 262,433,000 | 269,214,000 |
| Noninterest-bearing deposits | 43,118,000 | 39,961,000 | 42,225,000 | 47,741,000 |
| Equity capital | 47,089,000 | 48,335,000 | 48,216,000 | 43,919,000 |
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 | 3,661,000 | 7,456,000 | 11,209,000 | 14,848,000 |
| Interest expense | 687,000 | 1,393,000 | 2,095,000 | 2,782,000 |
| Net interest income | 2,974,000 | 6,063,000 | 9,114,000 | 12,066,000 |
| Noninterest income | 648,000 | 1,345,000 | 1,923,000 | 2,525,000 |
| Noninterest expense | 1,818,000 | 3,617,000 | 5,383,000 | 7,300,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,825,000 | 3,855,000 | 5,738,000 | 7,354,000 |
| Income tax | 49,000 | 193,000 | 271,000 | 373,000 |
| Net income | 1,776,000 | 3,662,000 | 5,467,000 | 6,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,148,000 | 37,879,000 | 38,385,000 | 38,722,000 |
| Total capital | 40,651,000 | 40,387,000 | 40,892,000 | 41,225,000 |
| Risk-weighted assets | 285,842,000 | 285,652,000 | 279,259,000 | 288,804,000 |