Call reports 2020
CITIZENS STATE BANK OF LOYAL — 2020
What CITIZENS STATE BANK OF LOYAL 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 | 207,566,000 | 235,282,000 | 249,583,000 | 266,386,000 |
| Total loans | 128,756,000 | 133,774,000 | 140,191,000 | 129,790,000 |
| Allowance for loan losses | 1,909,000 | 1,952,000 | 1,982,000 | 2,013,000 |
| Securities available for sale | 46,830,000 | 52,553,000 | 60,700,000 | 76,310,000 |
| Securities held to maturity | 473,000 | 473,000 | 474,000 | 2,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,037,000 | 193,330,000 | 207,328,000 | 224,558,000 |
| Interest-bearing deposits | 144,286,000 | 154,455,000 | 168,286,000 | 180,815,000 |
| Noninterest-bearing deposits | 26,751,000 | 38,875,000 | 39,042,000 | 43,743,000 |
| Equity capital | 28,461,000 | 29,342,000 | 29,943,000 | 29,691,000 |
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 | 2,024,000 | 4,281,000 | 6,141,000 | 7,966,000 |
| Interest expense | 372,000 | 620,000 | 865,000 | 1,107,000 |
| Net interest income | 1,652,000 | 3,661,000 | 5,276,000 | 6,859,000 |
| Noninterest income | 324,000 | 752,000 | 1,173,000 | 1,630,000 |
| Noninterest expense | 1,358,000 | 2,789,000 | 4,070,000 | 5,449,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 615,000 | 1,615,000 | 2,340,000 | 2,971,000 |
| Income tax | 84,000 | 263,000 | 366,000 | 432,000 |
| Net income | 531,000 | 1,352,000 | 1,974,000 | 2,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,767,000 | 28,188,000 | 28,811,000 | 28,576,000 |
| Total capital | 29,676,000 | 30,140,000 | 30,793,000 | 30,589,000 |
| Risk-weighted assets | 160,501,000 | 158,704,000 | 166,766,000 | 167,786,000 |