Call reports 2020
CITIZENS STATE BANK — 2020
What CITIZENS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 135,687,000 | 141,512,000 | 142,230,000 | 143,932,000 |
| Total loans | 77,814,000 | 77,801,000 | 81,898,000 | 86,578,000 |
| Allowance for loan losses | 954,000 | 984,000 | 1,039,000 | 1,006,000 |
| Securities available for sale | 36,230,000 | 45,412,000 | 43,759,000 | 41,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,677,000 | 123,955,000 | 124,289,000 | 125,755,000 |
| Interest-bearing deposits | 90,454,000 | 89,620,000 | 90,648,000 | 92,577,000 |
| Noninterest-bearing deposits | 28,223,000 | 34,335,000 | 33,641,000 | 33,178,000 |
| Equity capital | 16,566,000 | 16,948,000 | 17,207,000 | 17,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,540,000 | 3,006,000 | 4,478,000 | 5,971,000 |
| Interest expense | 237,000 | 442,000 | 645,000 | 842,000 |
| Net interest income | 1,303,000 | 2,564,000 | 3,833,000 | 5,129,000 |
| Noninterest income | 250,000 | 432,000 | 638,000 | 868,000 |
| Noninterest expense | 889,000 | 1,757,000 | 2,636,000 | 3,467,000 |
| Provision for loan losses | 15,000 | 60,000 | 93,000 | 100,000 |
| Pretax income | 649,000 | 1,179,000 | 1,742,000 | 2,430,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 649,000 | 1,179,000 | 1,742,000 | 2,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,576,000 | 16,306,000 | 16,519,000 | 16,656,000 |