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 | 84,577,000 | 87,608,000 | 87,142,000 | 87,858,000 |
| Total loans | 40,499,000 | 43,023,000 | 47,422,000 | 48,635,000 |
| Allowance for loan losses | 437,000 | 528,000 | 480,000 | 581,000 |
| Securities available for sale | 24,107,000 | 25,947,000 | 24,976,000 | 24,770,000 |
| Securities held to maturity | 4,753,000 | 4,749,000 | 4,744,000 | 4,740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,985,000 | 77,488,000 | 78,146,000 | 78,831,000 |
| Interest-bearing deposits | 61,544,000 | 66,031,000 | 66,955,000 | 68,014,000 |
| Noninterest-bearing deposits | 11,441,000 | 11,457,000 | 11,191,000 | 10,817,000 |
| Equity capital | 7,905,000 | 8,274,000 | 8,545,000 | 8,087,000 |
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 | 1,088,000 | 2,182,000 | 3,337,000 | 4,500,000 |
| Interest expense | 192,000 | 417,000 | 663,000 | 915,000 |
| Net interest income | 896,000 | 1,765,000 | 2,674,000 | 3,585,000 |
| Noninterest income | 242,000 | 468,000 | 742,000 | 981,000 |
| Noninterest expense | 940,000 | 1,839,000 | 2,797,000 | 3,726,000 |
| Provision for loan losses | 29,000 | 151,000 | 159,000 | 281,000 |
| Pretax income | 169,000 | 261,000 | 478,000 | 596,000 |
| Income tax | 13,000 | 30,000 | 48,000 | 66,000 |
| Net income | 156,000 | 231,000 | 430,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,170,000 | 8,246,000 | 8,445,000 | 7,950,000 |
| Total capital | 9,125,000 | 9,320,000 | 8,925,000 | 8,531,000 |
| Risk-weighted assets | 41,482,000 | 43,716,000 | 47,490,000 | 48,163,000 |