Call reports 2020
CITIZENS STATE BANK — 2020
What CITIZENS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 421,605,000 | 439,075,000 | 434,097,000 | 451,161,000 |
| Total loans | 225,839,000 | 219,018,000 | 217,581,000 | 215,103,000 |
| Allowance for loan losses | 3,577,000 | 3,777,000 | 3,759,000 | 3,780,000 |
| Securities available for sale | 166,670,000 | 183,005,000 | 186,010,000 | 204,816,000 |
| Securities held to maturity | 2,396,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,629,000 | 363,514,000 | 355,268,000 | 375,245,000 |
| Interest-bearing deposits | 295,183,000 | 307,784,000 | 299,466,000 | 312,607,000 |
| Noninterest-bearing deposits | 48,446,000 | 55,730,000 | 55,802,000 | 62,638,000 |
| Equity capital | 57,074,000 | 58,134,000 | 59,795,000 | 60,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,913,000 | 9,463,000 | 13,479,000 | 17,413,000 |
| Interest expense | 1,170,000 | 2,249,000 | 3,234,000 | 4,126,000 |
| Net interest income | 3,743,000 | 7,214,000 | 10,245,000 | 13,287,000 |
| Noninterest income | 721,000 | 1,804,000 | 2,767,000 | 3,807,000 |
| Noninterest expense | 1,994,000 | 4,196,000 | 6,247,000 | 8,535,000 |
| Provision for loan losses | 400,000 | 600,000 | 600,000 | 600,000 |
| Pretax income | 2,195,000 | 4,154,000 | 6,221,000 | 8,028,000 |
| Income tax | 111,000 | 229,000 | 325,000 | 400,000 |
| Net income | 2,084,000 | 3,925,000 | 5,896,000 | 7,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,808,000 | 47,101,000 | 47,983,000 | 48,335,000 |