Call reports 2019
CITIZENS STATE BANK OF FINLEY, THE — 2019
What CITIZENS STATE BANK OF FINLEY, THE 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 | 127,854,000 | 132,899,000 | 132,666,000 | 130,244,000 |
| Total loans | 79,196,000 | 85,348,000 | 85,750,000 | 82,424,000 |
| Allowance for loan losses | 1,381,000 | 1,379,000 | 1,379,000 | 1,339,000 |
| Securities available for sale | 20,606,000 | 20,633,000 | 35,910,000 | 36,425,000 |
| Securities held to maturity | 17,447,000 | 16,634,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,788,000 | 96,237,000 | 98,426,000 | 101,889,000 |
| Interest-bearing deposits | 80,148,000 | 75,914,000 | 76,149,000 | 78,429,000 |
| Noninterest-bearing deposits | 22,640,000 | 20,323,000 | 22,277,000 | 23,460,000 |
| Equity capital | 16,654,000 | 17,000,000 | 18,317,000 | 18,393,000 |
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 | 1,488,000 | 2,955,000 | 4,476,000 | 5,932,000 |
| Interest expense | 261,000 | 517,000 | 831,000 | 1,100,000 |
| Net interest income | 1,227,000 | 2,438,000 | 3,645,000 | 4,832,000 |
| Noninterest income | 246,000 | 462,000 | 1,415,000 | 1,841,000 |
| Noninterest expense | 1,060,000 | 2,070,000 | 3,139,000 | 4,309,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 413,000 | 830,000 | 1,921,000 | 2,327,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 413,000 | 830,000 | 1,921,000 | 2,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,556,000 | 16,673,000 | 17,764,000 | 17,920,000 |
| Total capital | 17,754,000 | 17,934,000 | 19,043,000 | 19,177,000 |
| Risk-weighted assets | 94,755,000 | 99,916,000 | 101,162,000 | 99,373,000 |