Call reports 2019
CITIZENS STATE BANK — 2019
What CITIZENS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 410,432,000 | 413,650,000 | 414,783,000 | 421,275,000 |
| Total loans | 225,853,000 | 226,160,000 | 228,313,000 | 223,542,000 |
| Allowance for loan losses | 3,207,000 | 3,348,000 | 3,433,000 | 3,177,000 |
| Securities available for sale | 137,236,000 | 149,623,000 | 152,506,000 | 161,234,000 |
| Securities held to maturity | 2,381,000 | 2,387,000 | 2,393,000 | 6,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,282,000 | 342,413,000 | 340,693,000 | 345,675,000 |
| Interest-bearing deposits | 296,989,000 | 298,413,000 | 296,132,000 | 296,437,000 |
| Noninterest-bearing deposits | 42,293,000 | 44,001,000 | 44,561,000 | 49,238,000 |
| Equity capital | 51,012,000 | 52,821,000 | 54,932,000 | 54,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,160,000 | 8,457,000 | 12,818,000 | 17,098,000 |
| Interest expense | 1,144,000 | 2,360,000 | 3,631,000 | 4,896,000 |
| Net interest income | 3,016,000 | 6,097,000 | 9,187,000 | 12,202,000 |
| Noninterest income | 755,000 | 1,533,000 | 2,258,000 | 3,034,000 |
| Noninterest expense | 1,881,000 | 3,915,000 | 6,051,000 | 8,089,000 |
| Provision for loan losses | 0 | 150,000 | 250,000 | 450,000 |
| Pretax income | 1,900,000 | 3,587,000 | 6,024,000 | 7,576,000 |
| Income tax | 90,000 | 181,000 | 271,000 | 379,000 |
| Net income | 1,810,000 | 3,406,000 | 5,753,000 | 7,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,223,000 | 44,593,000 | 45,792,000 | 45,724,000 |
| Total capital | 48,430,000 | 47,941,000 | 49,225,000 | 48,901,000 |
| Risk-weighted assets | 294,052,000 | 297,439,000 | 298,099,000 | 294,567,000 |