Call reports 2016
CITIZENS STATE BANK — 2016
What CITIZENS STATE BANK 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 | 322,663,000 | 325,481,000 | 330,453,000 | 322,166,000 |
| Total loans | 272,764,000 | 281,789,000 | 283,839,000 | 273,100,000 |
| Allowance for loan losses | 4,971,000 | 5,166,000 | 5,315,000 | 5,469,000 |
| Securities available for sale | 31,201,000 | 28,434,000 | 28,504,000 | 26,814,000 |
| Securities held to maturity | 57,000 | 52,000 | 50,000 | 48,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,861,000 | 280,995,000 | 285,198,000 | 285,248,000 |
| Interest-bearing deposits | 250,210,000 | 247,114,000 | 251,571,000 | 248,115,000 |
| Noninterest-bearing deposits | 35,651,000 | 33,881,000 | 33,627,000 | 37,133,000 |
| Equity capital | 33,385,000 | 33,938,000 | 34,024,000 | 33,618,000 |
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 | 3,494,000 | 6,933,000 | 10,517,000 | 14,021,000 |
| Interest expense | 542,000 | 1,086,000 | 1,646,000 | 2,201,000 |
| Net interest income | 2,952,000 | 5,847,000 | 8,871,000 | 11,820,000 |
| Noninterest income | 242,000 | 436,000 | 729,000 | 1,118,000 |
| Noninterest expense | 1,988,000 | 3,889,000 | 5,837,000 | 7,789,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,056,000 | 2,100,000 | 3,319,000 | 4,555,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,056,000 | 2,100,000 | 3,319,000 | 4,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,509,000 | 30,807,000 | 31,016,000 | 31,217,000 |
| Total capital | 34,114,000 | 34,488,000 | 34,743,000 | 34,833,000 |
| Risk-weighted assets | 287,007,000 | 293,003,000 | 296,604,000 | 287,409,000 |