Call reports 2021
CITIZENS STATE BANK — 2021
What CITIZENS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 151,784,000 | 155,496,000 | 161,897,000 | 162,295,000 |
| Total loans | 89,902,000 | 94,145,000 | 94,585,000 | 95,064,000 |
| Allowance for loan losses | 1,015,000 | 1,032,000 | 1,074,000 | 1,110,000 |
| Securities available for sale | 44,299,000 | 48,373,000 | 48,063,000 | 49,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,062,000 | 137,932,000 | 143,424,000 | 144,064,000 |
| Interest-bearing deposits | 96,717,000 | 99,646,000 | 101,816,000 | 105,488,000 |
| Noninterest-bearing deposits | 37,345,000 | 38,286,000 | 41,608,000 | 38,576,000 |
| Equity capital | 17,236,000 | 16,966,000 | 17,739,000 | 17,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,612,000 | 3,148,000 | 5,138,000 | 6,735,000 |
| Interest expense | 191,000 | 385,000 | 573,000 | 760,000 |
| Net interest income | 1,421,000 | 2,763,000 | 4,565,000 | 5,975,000 |
| Noninterest income | 229,000 | 439,000 | 676,000 | 898,000 |
| Noninterest expense | 899,000 | 1,809,000 | 2,706,000 | 3,565,000 |
| Provision for loan losses | 9,000 | 39,000 | 79,000 | 124,000 |
| Pretax income | 742,000 | 1,354,000 | 2,456,000 | 3,184,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 742,000 | 1,354,000 | 2,456,000 | 3,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,398,000 | 17,011,000 | 17,562,000 | 17,611,000 |