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 |
|---|---|---|---|
| Total assets | 352,462,000 | 349,116,000 | 347,257,000 |
| Total loans | 285,551,000 | 274,490,000 | 262,783,000 |
| Allowance for loan losses | 3,257,000 | 3,149,000 | 3,422,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 269,653,000 | 265,714,000 | 261,879,000 |
| Interest-bearing deposits | 172,820,000 | 169,523,000 | 167,269,000 |
| Noninterest-bearing deposits | 96,833,000 | 96,191,000 | 94,611,000 |
| Equity capital | 41,890,000 | 43,360,000 | 44,931,000 |
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 |
|---|---|---|---|
| Interest income | 4,025,000 | 7,999,000 | 12,056,000 |
| Interest expense | 722,000 | 1,484,000 | 2,234,000 |
| Net interest income | 3,303,000 | 6,515,000 | 9,822,000 |
| Noninterest income | 618,000 | 1,302,000 | 1,905,000 |
| Noninterest expense | 2,000,000 | 4,037,000 | 5,967,000 |
| Provision for loan losses | 5,000 | 10,000 | 14,000 |
| Pretax income | 1,916,000 | 3,770,000 | 5,746,000 |
| Income tax | 402,000 | 787,000 | 1,192,000 |
| Net income | 1,514,000 | 2,983,000 | 4,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Tier 1 capital | 41,890,000 | 43,360,000 | 44,931,000 |
| Total capital | 45,121,000 | 46,477,000 | 47,923,000 |
| Risk-weighted assets | 258,452,000 | 249,327,000 | 238,903,000 |