Call reports 2019
CITIZENS STATE BANK, THE — 2019
What CITIZENS STATE BANK, THE 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 | 428,681,000 | 438,574,000 | 430,048,000 | 429,499,000 |
| Total loans | 239,068,000 | 238,999,000 | 234,907,000 | 229,952,000 |
| Allowance for loan losses | 2,890,000 | 2,951,000 | 2,970,000 | 3,030,000 |
| Securities available for sale | 153,762,000 | 165,339,000 | 160,030,000 | 160,943,000 |
| Securities held to maturity | 3,000 | 2,000 | 2,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,675,000 | 341,186,000 | 340,046,000 | 338,063,000 |
| Interest-bearing deposits | 273,520,000 | 279,699,000 | 273,098,000 | 272,425,000 |
| Noninterest-bearing deposits | 66,155,000 | 61,487,000 | 66,948,000 | 65,638,000 |
| Equity capital | 47,649,000 | 49,514,000 | 50,667,000 | 53,783,000 |
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 | 4,195,000 | 8,443,000 | 12,779,000 | 16,920,000 |
| Interest expense | 660,000 | 1,369,000 | 2,110,000 | 2,723,000 |
| Net interest income | 3,535,000 | 7,074,000 | 10,669,000 | 14,197,000 |
| Noninterest income | 512,000 | 1,146,000 | 1,750,000 | 2,393,000 |
| Noninterest expense | 2,539,000 | 5,435,000 | 7,941,000 | 10,632,000 |
| Provision for loan losses | 60,000 | 120,000 | 330,000 | 390,000 |
| Pretax income | 1,440,000 | 2,642,000 | 4,171,000 | 9,059,000 |
| Income tax | 241,000 | 415,000 | 700,000 | 1,515,000 |
| Net income | 1,199,000 | 2,227,000 | 3,471,000 | 7,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,467,000 | 42,771,000 | 43,291,000 | 46,640,000 |
| Total capital | 45,505,000 | 45,877,000 | 46,423,000 | 49,840,000 |
| Risk-weighted assets | 394,818,000 | 347,380,000 | 350,413,000 | 360,053,000 |