Call reports 2020
CITIZENS STATE BANK, THE — 2020
What CITIZENS STATE BANK, THE 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 | 442,044,000 | 476,061,000 | 482,332,000 | 483,337,000 |
| Total loans | 226,784,000 | 244,264,000 | 231,195,000 | 216,517,000 |
| Allowance for loan losses | 3,053,000 | 3,345,000 | 3,352,000 | 3,352,000 |
| Securities available for sale | 167,775,000 | 163,397,000 | 179,762,000 | 207,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,955,000 | 372,093,000 | 381,248,000 | 383,192,000 |
| Interest-bearing deposits | 283,736,000 | 293,239,000 | 300,899,000 | 300,769,000 |
| Noninterest-bearing deposits | 65,219,000 | 78,854,000 | 80,349,000 | 82,423,000 |
| Equity capital | 54,161,000 | 57,181,000 | 58,390,000 | 59,540,000 |
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 | 4,349,000 | 8,485,000 | 12,616,000 | 16,413,000 |
| Interest expense | 573,000 | 1,048,000 | 1,489,000 | 1,878,000 |
| Net interest income | 3,776,000 | 7,437,000 | 11,127,000 | 14,535,000 |
| Noninterest income | 546,000 | 1,084,000 | 1,706,000 | 2,287,000 |
| Noninterest expense | 2,462,000 | 5,403,000 | 7,785,000 | 10,280,000 |
| Provision for loan losses | 20,000 | 320,000 | 320,000 | 320,000 |
| Pretax income | 1,840,000 | 2,898,000 | 4,828,000 | 6,669,000 |
| Income tax | 320,000 | 690,000 | 862,000 | 719,000 |
| Net income | 1,520,000 | 2,208,000 | 3,966,000 | 5,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,434,000 | 47,397,000 | 48,429,000 | 49,519,000 |