Call reports 2021
CITIZENS STATE BANK OF LOYAL — 2021
What CITIZENS STATE BANK OF LOYAL 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 | 268,620,000 | 277,020,000 | 276,777,000 | 291,748,000 |
| Total loans | 130,965,000 | 130,955,000 | 131,539,000 | 133,468,000 |
| Allowance for loan losses | 2,043,000 | 2,074,000 | 2,103,000 | 2,103,000 |
| Securities available for sale | 82,736,000 | 89,378,000 | 90,886,000 | 91,571,000 |
| Securities held to maturity | 2,475,000 | 2,475,000 | 3,476,000 | 4,476,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,649,000 | 233,494,000 | 233,054,000 | 248,156,000 |
| Interest-bearing deposits | 183,858,000 | 188,286,000 | 186,626,000 | 197,682,000 |
| Noninterest-bearing deposits | 42,791,000 | 45,208,000 | 46,428,000 | 50,474,000 |
| Equity capital | 29,783,000 | 30,382,000 | 30,493,000 | 30,474,000 |
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 | 2,099,000 | 4,182,000 | 6,043,000 | 7,912,000 |
| Interest expense | 223,000 | 432,000 | 642,000 | 845,000 |
| Net interest income | 1,876,000 | 3,750,000 | 5,401,000 | 7,067,000 |
| Noninterest income | 431,000 | 836,000 | 1,216,000 | 1,587,000 |
| Noninterest expense | 1,373,000 | 2,726,000 | 4,126,000 | 5,534,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 949,000 | 1,845,000 | 2,446,000 | 3,075,000 |
| Income tax | 113,000 | 316,000 | 385,000 | 455,000 |
| Net income | 836,000 | 1,529,000 | 2,061,000 | 2,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,412,000 | 29,705,000 | 30,152,000 | 30,211,000 |
| Total capital | 31,455,000 | 31,779,000 | 32,255,000 | 32,314,000 |
| Risk-weighted assets | 168,456,000 | 171,554,000 | 176,749,000 | 186,433,000 |