Call reports 2019
CITIZENS STATE BANK — 2019
What CITIZENS STATE BANK 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 | 345,784,000 | 309,397,000 | 305,985,000 | 382,562,000 |
| Total loans | 279,755,000 | 260,255,000 | 262,706,000 | 323,014,000 |
| Allowance for loan losses | 5,757,000 | 6,138,000 | 6,362,000 | 7,509,000 |
| Securities available for sale | 20,910,000 | 20,394,000 | 20,665,000 | 24,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,504,000 | 270,970,000 | 267,455,000 | 336,015,000 |
| Interest-bearing deposits | 270,069,000 | 241,087,000 | 239,477,000 | 294,801,000 |
| Noninterest-bearing deposits | 38,435,000 | 29,883,000 | 27,978,000 | 41,214,000 |
| Equity capital | 35,918,000 | 37,009,000 | 36,937,000 | 45,096,000 |
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 | 3,912,000 | 7,741,000 | 11,435,000 | 18,470,000 |
| Interest expense | 1,036,000 | 2,108,000 | 3,179,000 | 4,825,000 |
| Net interest income | 2,876,000 | 5,633,000 | 8,256,000 | 13,645,000 |
| Noninterest income | 219,000 | 1,508,000 | 1,755,000 | 2,430,000 |
| Noninterest expense | 2,091,000 | 4,245,000 | 6,189,000 | 10,529,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 790,000 |
| Pretax income | 779,000 | 2,446,000 | 3,147,000 | 4,756,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 779,000 | 2,446,000 | 3,147,000 | 4,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,503,000 | 34,577,000 | 34,429,000 | 42,232,000 |
| Total capital | 37,209,000 | 37,986,000 | 37,904,000 | 46,662,000 |
| Risk-weighted assets | 294,418,000 | 270,028,000 | 275,106,000 | 351,351,000 |