Call reports 2021
CITIZENS STATE BANK — 2021
What CITIZENS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 461,116,000 | 481,371,000 | 483,232,000 | 499,840,000 |
| Total loans | 210,873,000 | 199,536,000 | 202,440,000 | 216,988,000 |
| Allowance for loan losses | 3,780,000 | 3,781,000 | 3,781,000 | 3,610,000 |
| Securities available for sale | 219,819,000 | 251,588,000 | 250,106,000 | 252,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,342,000 | 407,745,000 | 405,259,000 | 420,821,000 |
| Interest-bearing deposits | 325,210,000 | 338,245,000 | 332,475,000 | 344,893,000 |
| Noninterest-bearing deposits | 64,132,000 | 69,500,000 | 72,784,000 | 75,928,000 |
| Equity capital | 59,837,000 | 61,322,000 | 58,624,000 | 59,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,850,000 | 9,175,000 | 13,086,000 | 17,196,000 |
| Interest expense | 777,000 | 1,527,000 | 2,206,000 | 2,836,000 |
| Net interest income | 4,073,000 | 7,648,000 | 10,880,000 | 14,360,000 |
| Noninterest income | 994,000 | 1,934,000 | 3,657,000 | 4,664,000 |
| Noninterest expense | 2,071,000 | 4,265,000 | 6,890,000 | 9,786,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 3,286,000 | 5,838,000 | 8,586,000 | 10,067,000 |
| Income tax | 0 | 279,000 | 378,000 | 502,000 |
| Net income | 3,286,000 | 5,559,000 | 8,208,000 | 9,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,621,000 | 50,314,000 | 51,501,000 | 51,935,000 |