Call reports 2019
CITIZENS STATE BANK OF LOYAL — 2019
What CITIZENS STATE BANK OF LOYAL 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 | 207,432,000 | 206,651,000 | 207,511,000 | 207,896,000 |
| Total loans | 127,738,000 | 129,539,000 | 131,521,000 | 132,421,000 |
| Allowance for loan losses | 1,811,000 | 1,830,000 | 1,847,000 | 1,879,000 |
| Securities available for sale | 54,072,000 | 45,697,000 | 47,304,000 | 48,100,000 |
| Securities held to maturity | 471,000 | 471,000 | 472,000 | 472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,858,000 | 171,521,000 | 171,563,000 | 171,995,000 |
| Interest-bearing deposits | 143,590,000 | 145,666,000 | 143,668,000 | 141,493,000 |
| Noninterest-bearing deposits | 25,268,000 | 25,855,000 | 27,895,000 | 30,502,000 |
| Equity capital | 26,995,000 | 27,102,000 | 27,772,000 | 27,892,000 |
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 | 2,060,000 | 4,166,000 | 6,264,000 | 8,317,000 |
| Interest expense | 506,000 | 1,026,000 | 1,512,000 | 1,927,000 |
| Net interest income | 1,554,000 | 3,140,000 | 4,752,000 | 6,390,000 |
| Noninterest income | 516,000 | 919,000 | 1,232,000 | 1,588,000 |
| Noninterest expense | 1,412,000 | 3,143,000 | 4,457,000 | 5,858,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 1,139,000 | 1,367,000 | 1,948,000 | 2,537,000 |
| Income tax | 191,000 | 200,000 | 270,000 | 344,000 |
| Net income | 948,000 | 1,167,000 | 1,678,000 | 2,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,791,000 | 26,610,000 | 27,122,000 | 27,237,000 |
| Total capital | 28,602,000 | 28,440,000 | 28,969,000 | 29,116,000 |
| Risk-weighted assets | 158,487,000 | 159,434,000 | 162,227,000 | 162,847,000 |