Call reports 2016
CITIZENS STATE BANK OF LOYAL — 2016
What CITIZENS STATE BANK OF LOYAL 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 | 195,896,000 | 199,478,000 | 201,332,000 | 204,379,000 |
| Total loans | 122,853,000 | 126,868,000 | 125,073,000 | 122,568,000 |
| Allowance for loan losses | 1,687,000 | 1,713,000 | 1,743,000 | 1,773,000 |
| Securities available for sale | 50,174,000 | 51,017,000 | 50,957,000 | 52,193,000 |
| Securities held to maturity | 1,991,000 | 1,992,000 | 1,992,000 | 1,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,551,000 | 158,735,000 | 160,059,000 | 164,179,000 |
| Interest-bearing deposits | 130,595,000 | 134,257,000 | 134,917,000 | 137,797,000 |
| Noninterest-bearing deposits | 24,956,000 | 24,478,000 | 25,142,000 | 26,382,000 |
| Equity capital | 23,494,000 | 23,721,000 | 24,204,000 | 23,620,000 |
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 | 1,852,000 | 3,712,000 | 5,658,000 | 7,550,000 |
| Interest expense | 220,000 | 437,000 | 656,000 | 876,000 |
| Net interest income | 1,632,000 | 3,275,000 | 5,002,000 | 6,674,000 |
| Noninterest income | 501,000 | 862,000 | 1,160,000 | 1,484,000 |
| Noninterest expense | 1,322,000 | 2,601,000 | 3,888,000 | 5,178,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 781,000 | 1,476,000 | 2,184,000 | 2,860,000 |
| Income tax | 191,000 | 345,000 | 507,000 | 653,000 |
| Net income | 590,000 | 1,131,000 | 1,677,000 | 2,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,209,000 | 22,748,000 | 23,300,000 | 23,438,000 |
| Total capital | 23,896,000 | 24,461,000 | 25,043,000 | 25,211,000 |
| Risk-weighted assets | 140,154,000 | 151,451,000 | 149,802,000 | 144,297,000 |