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 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 129,314,000 | 130,691,000 | 131,950,000 | 133,232,000 |
| Total loans | 76,418,000 | 77,800,000 | 78,292,000 | 79,801,000 |
| Allowance for loan losses | 932,000 | 934,000 | 954,000 | 954,000 |
| Securities available for sale | 40,761,000 | 41,177,000 | 40,281,000 | 38,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,728,000 | 114,468,000 | 115,284,000 | 116,454,000 |
| Interest-bearing deposits | 88,081,000 | 86,691,000 | 86,795,000 | 87,703,000 |
| Noninterest-bearing deposits | 25,647,000 | 27,777,000 | 28,489,000 | 28,751,000 |
| Equity capital | 15,134,000 | 15,632,000 | 15,757,000 | 15,863,000 |
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 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,945,000 | 4,484,000 | 6,018,000 |
| Interest expense | 166,000 | 364,000 | 592,000 | 833,000 |
| Net interest income | 1,287,000 | 2,581,000 | 3,892,000 | 5,185,000 |
| Noninterest income | 243,000 | 500,000 | 750,000 | 989,000 |
| Noninterest expense | 894,000 | 1,774,000 | 2,656,000 | 3,482,000 |
| Provision for loan losses | 15,000 | 30,000 | 65,000 | 80,000 |
| Pretax income | 621,000 | 1,277,000 | 1,921,000 | 2,612,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 621,000 | 1,277,000 | 1,921,000 | 2,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,764,000 | 15,661,000 | 15,805,000 | 15,927,000 |
| Total capital | 16,696,000 | 16,595,000 | 16,759,000 | 16,881,000 |
| Risk-weighted assets | 79,445,000 | 81,012,000 | 80,242,000 | 82,749,000 |