Call reports 2020
CITIZENS STATE BANK OF FINLEY, THE — 2020
What CITIZENS STATE BANK OF FINLEY, THE 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 | 126,657,000 | 136,147,000 | 137,007,000 | 133,934,000 |
| Total loans | 83,211,000 | 88,474,000 | 81,076,000 | 73,900,000 |
| Allowance for loan losses | 1,314,000 | 1,311,000 | 1,311,000 | 1,311,000 |
| Securities available for sale | 34,485,000 | 36,105,000 | 37,446,000 | 39,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,827,000 | 105,226,000 | 105,552,000 | 112,745,000 |
| Interest-bearing deposits | 82,575,000 | 80,427,000 | 79,200,000 | 80,842,000 |
| Noninterest-bearing deposits | 22,252,000 | 24,799,000 | 26,352,000 | 31,903,000 |
| Equity capital | 18,378,000 | 19,329,000 | 19,736,000 | 19,867,000 |
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 | 1,357,000 | 2,819,000 | 4,033,000 | 5,135,000 |
| Interest expense | 229,000 | 405,000 | 544,000 | 659,000 |
| Net interest income | 1,128,000 | 2,414,000 | 3,489,000 | 4,476,000 |
| Noninterest income | 208,000 | 406,000 | 992,000 | 1,357,000 |
| Noninterest expense | 1,083,000 | 2,171,000 | 3,333,000 | 4,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 253,000 | 671,000 | 1,174,000 | 1,338,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 253,000 | 671,000 | 1,174,000 | 1,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,174,000 | 18,391,000 | 18,895,000 | 19,059,000 |