Call reports 2016
CITIZENS STATE BANK, THE — 2016
What CITIZENS STATE BANK, THE 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 | 425,849,000 | 440,313,000 | 436,531,000 | 434,620,000 |
| Total loans | 226,643,000 | 226,304,000 | 225,125,000 | 221,423,000 |
| Allowance for loan losses | 2,693,000 | 2,790,000 | 2,781,000 | 2,773,000 |
| Securities available for sale | 152,640,000 | 147,238,000 | 145,234,000 | 137,406,000 |
| Securities held to maturity | 19,000 | 18,000 | 16,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,878,000 | 331,993,000 | 330,387,000 | 333,804,000 |
| Interest-bearing deposits | 281,030,000 | 282,205,000 | 276,402,000 | 279,440,000 |
| Noninterest-bearing deposits | 50,848,000 | 49,788,000 | 53,985,000 | 54,364,000 |
| Equity capital | 51,295,000 | 52,802,000 | 52,866,000 | 45,536,000 |
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 | 3,768,000 | 7,535,000 | 11,295,000 | 14,917,000 |
| Interest expense | 345,000 | 680,000 | 1,013,000 | 1,360,000 |
| Net interest income | 3,423,000 | 6,855,000 | 10,282,000 | 13,557,000 |
| Noninterest income | 480,000 | 995,000 | 1,632,000 | 2,175,000 |
| Noninterest expense | 2,534,000 | 5,086,000 | 7,932,000 | 10,499,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,256,000 | 2,736,000 | 4,013,000 | 5,265,000 |
| Income tax | 284,000 | 664,000 | 955,000 | 951,000 |
| Net income | 972,000 | 2,072,000 | 3,058,000 | 4,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,686,000 | 46,306,000 | 46,811,000 | 41,584,000 |
| Total capital | 48,437,000 | 49,161,000 | 49,665,000 | 44,437,000 |
| Risk-weighted assets | 336,107,000 | 339,432,000 | 340,425,000 | 340,334,000 |