Call reports 2021
CITIZENS STATE BANK — 2021
What CITIZENS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 90,464,000 | 90,941,000 | 88,609,000 | 87,983,000 |
| Total loans | 40,966,000 | 41,676,000 | 41,285,000 | 41,880,000 |
| Allowance for loan losses | 554,000 | 575,000 | 591,000 | 602,000 |
| Securities available for sale | 29,045,000 | 31,418,000 | 30,680,000 | 31,566,000 |
| Securities held to maturity | 4,469,000 | 4,465,000 | 4,461,000 | 4,457,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,518,000 | 82,290,000 | 79,527,000 | 79,270,000 |
| Interest-bearing deposits | 65,154,000 | 65,215,000 | 63,197,000 | 63,264,000 |
| Noninterest-bearing deposits | 16,364,000 | 17,075,000 | 16,330,000 | 16,006,000 |
| Equity capital | 8,570,000 | 8,358,000 | 8,717,000 | 8,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 954,000 | 1,902,000 | 2,834,000 | 3,771,000 |
| Interest expense | 127,000 | 237,000 | 338,000 | 418,000 |
| Net interest income | 827,000 | 1,665,000 | 2,496,000 | 3,353,000 |
| Noninterest income | 206,000 | 427,000 | 982,000 | 1,202,000 |
| Noninterest expense | 1,047,000 | 2,212,000 | 3,264,000 | 4,271,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 69,000 | -61,000 | 249,000 | 295,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 69,000 | -61,000 | 249,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,277,000 | 8,146,000 | 8,457,000 | 8,501,000 |
| Total capital | 8,788,000 | 8,684,000 | 8,993,000 | 9,045,000 |
| Risk-weighted assets | 40,868,000 | 43,053,000 | 42,864,000 | 43,492,000 |