Call reports 2016
CITIZENS STATE BANK, THE — 2016
What CITIZENS STATE BANK, THE 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 | 296,770,000 | 303,956,000 | 346,051,000 | 267,087,000 |
| Total loans | 271,499,000 | 274,330,000 | 316,286,000 | 229,287,000 |
| Allowance for loan losses | 402,000 | 440,000 | 446,000 | 456,000 |
| Securities available for sale | 10,786,000 | 10,385,000 | 10,853,000 | 10,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,945,000 | 260,323,000 | 287,423,000 | 234,050,000 |
| Interest-bearing deposits | 242,956,000 | 251,561,000 | 242,911,000 | 221,569,000 |
| Noninterest-bearing deposits | 11,989,000 | 8,762,000 | 44,512,000 | 12,481,000 |
| Equity capital | 33,027,000 | 34,568,000 | 36,284,000 | 26,739,000 |
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 | 4,048,000 | 8,679,000 | 13,611,000 | 18,690,000 |
| Interest expense | 450,000 | 896,000 | 1,451,000 | 2,045,000 |
| Net interest income | 3,598,000 | 7,783,000 | 12,160,000 | 16,645,000 |
| Noninterest income | 2,684,000 | 8,128,000 | 13,754,000 | 19,034,000 |
| Noninterest expense | 5,076,000 | 13,205,000 | 21,461,000 | 40,490,000 |
| Provision for loan losses | 5,000 | 20,000 | 35,000 | 50,000 |
| Pretax income | 1,217,000 | 2,702,000 | 4,434,000 | -4,845,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,217,000 | 2,702,000 | 4,434,000 | -4,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,720,000 | 34,205,000 | 35,937,000 | 26,657,000 |
| Total capital | 33,122,000 | 34,645,000 | 36,383,000 | 27,113,000 |
| Risk-weighted assets | 236,331,000 | 239,652,000 | 284,581,000 | 209,482,000 |