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 | 89,031,000 | 93,509,000 | 94,260,000 | 90,517,000 |
| Total loans | 48,058,000 | 47,063,000 | 45,974,000 | 43,329,000 |
| Allowance for loan losses | 534,000 | 519,000 | 532,000 | 527,000 |
| Securities available for sale | 24,367,000 | 25,548,000 | 28,897,000 | 28,520,000 |
| Securities held to maturity | 4,736,000 | 4,732,000 | 4,727,000 | 4,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,419,000 | 84,443,000 | 85,101,000 | 81,472,000 |
| Interest-bearing deposits | 68,990,000 | 70,886,000 | 70,045,000 | 66,969,000 |
| Noninterest-bearing deposits | 11,429,000 | 13,557,000 | 15,056,000 | 14,503,000 |
| Equity capital | 8,243,000 | 8,608,000 | 8,727,000 | 8,696,000 |
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 | 1,153,000 | 2,219,000 | 3,264,000 | 4,268,000 |
| Interest expense | 246,000 | 473,000 | 677,000 | 836,000 |
| Net interest income | 907,000 | 1,746,000 | 2,587,000 | 3,432,000 |
| Noninterest income | 221,000 | 422,000 | 616,000 | 812,000 |
| Noninterest expense | 1,015,000 | 1,982,000 | 2,881,000 | 3,934,000 |
| Provision for loan losses | 39,000 | 78,000 | 117,000 | 146,000 |
| Pretax income | 83,000 | 116,000 | 213,000 | 173,000 |
| Income tax | 0 | 0 | 0 | -68,000 |
| Net income | 83,000 | 116,000 | 213,000 | 241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,050,000 | 8,084,000 | 8,181,000 | 8,208,000 |
| Total capital | 8,584,000 | 8,603,000 | 8,713,000 | 8,735,000 |
| Risk-weighted assets | 46,726,000 | 45,515,000 | 45,666,000 | 43,049,000 |