Call reports 2020
CITIZENS STATE BANK — 2020
What CITIZENS STATE BANK 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 | 394,332,000 | 406,162,000 | 410,242,000 | 419,186,000 |
| Total loans | 322,660,000 | 326,700,000 | 325,122,000 | 324,714,000 |
| Allowance for loan losses | 7,501,000 | 7,502,000 | 7,505,000 | 7,507,000 |
| Securities available for sale | 22,597,000 | 22,938,000 | 23,097,000 | 43,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,729,000 | 358,648,000 | 362,311,000 | 370,981,000 |
| Interest-bearing deposits | 308,846,000 | 316,782,000 | 318,726,000 | 321,742,000 |
| Noninterest-bearing deposits | 38,883,000 | 41,866,000 | 43,585,000 | 49,239,000 |
| Equity capital | 45,198,000 | 46,058,000 | 46,400,000 | 47,188,000 |
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 | 4,410,000 | 8,766,000 | 12,915,000 | 17,238,000 |
| Interest expense | 1,157,000 | 2,175,000 | 3,113,000 | 3,954,000 |
| Net interest income | 3,253,000 | 6,591,000 | 9,802,000 | 13,284,000 |
| Noninterest income | 280,000 | 522,000 | 872,000 | 1,254,000 |
| Noninterest expense | 2,538,000 | 5,055,000 | 7,643,000 | 10,169,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 995,000 | 2,058,000 | 3,031,000 | 4,369,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 995,000 | 2,058,000 | 3,031,000 | 4,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,484,000 | 42,930,000 | 43,279,000 | 43,984,000 |
| Total capital | 46,934,000 | 47,292,000 | 47,634,000 | 48,407,000 |
| Risk-weighted assets | 352,909,000 | 345,822,000 | 345,212,000 | 350,785,000 |