Call reports 2016
CITIZENS STATE BANK — 2016
What CITIZENS STATE BANK 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 | 329,895,000 | 325,538,000 | 325,409,000 | 311,224,000 |
| Total loans | 286,319,000 | 289,171,000 | 288,850,000 | 286,116,000 |
| Allowance for loan losses | 3,268,000 | 3,272,000 | 3,205,000 | 3,183,000 |
| Securities available for sale | 5,294,000 | 4,902,000 | 4,509,000 | 4,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,034,000 | 229,791,000 | 227,978,000 | 219,879,000 |
| Interest-bearing deposits | 140,762,000 | 147,723,000 | 140,061,000 | 135,512,000 |
| Noninterest-bearing deposits | 91,272,000 | 82,068,000 | 87,917,000 | 84,368,000 |
| Equity capital | 34,314,000 | 35,575,000 | 36,886,000 | 38,014,000 |
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 | 3,499,000 | 7,159,000 | 10,755,000 | 14,310,000 |
| Interest expense | 384,000 | 748,000 | 1,092,000 | 1,423,000 |
| Net interest income | 3,115,000 | 6,411,000 | 9,663,000 | 12,887,000 |
| Noninterest income | 615,000 | 1,255,000 | 1,974,000 | 2,657,000 |
| Noninterest expense | 1,906,000 | 3,942,000 | 5,956,000 | 8,174,000 |
| Provision for loan losses | 26,000 | 32,000 | 37,000 | 41,000 |
| Pretax income | 1,798,000 | 3,692,000 | 5,644,000 | 7,329,000 |
| Income tax | 600,000 | 1,232,000 | 1,878,000 | 2,440,000 |
| Net income | 1,198,000 | 2,460,000 | 3,766,000 | 4,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,396,000 | 35,658,000 | 36,964,000 | 38,086,000 |
| Total capital | 37,664,000 | 38,930,000 | 40,169,000 | 41,269,000 |
| Risk-weighted assets | 270,936,000 | 283,726,000 | 280,654,000 | 278,591,000 |