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 | 132,016,000 | 131,881,000 | 130,841,000 | 128,514,000 |
| Total loans | 68,150,000 | 66,730,000 | 66,674,000 | 67,514,000 |
| Allowance for loan losses | 773,000 | 742,000 | 761,000 | 740,000 |
| Securities available for sale | 49,544,000 | 50,323,000 | 48,749,000 | 47,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,648,000 | 117,390,000 | 116,139,000 | 114,900,000 |
| Interest-bearing deposits | 90,907,000 | 90,377,000 | 88,727,000 | 86,307,000 |
| Noninterest-bearing deposits | 26,741,000 | 27,013,000 | 27,412,000 | 28,593,000 |
| Equity capital | 14,000,000 | 14,014,000 | 14,080,000 | 12,713,000 |
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 | 1,411,000 | 2,879,000 | 4,376,000 | 5,730,000 |
| Interest expense | 137,000 | 274,000 | 414,000 | 551,000 |
| Net interest income | 1,274,000 | 2,605,000 | 3,962,000 | 5,179,000 |
| Noninterest income | 212,000 | 436,000 | 673,000 | 888,000 |
| Noninterest expense | 868,000 | 1,692,000 | 2,514,000 | 3,252,000 |
| Provision for loan losses | 45,000 | 90,000 | 160,000 | 255,000 |
| Pretax income | 573,000 | 1,259,000 | 1,961,000 | 2,560,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 573,000 | 1,259,000 | 1,961,000 | 2,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,555,000 | 13,466,000 | 13,768,000 | 13,750,000 |
| Total capital | 14,328,000 | 14,208,000 | 14,529,000 | 14,490,000 |
| Risk-weighted assets | 74,555,000 | 73,773,000 | 73,524,000 | 73,426,000 |