Call reports 2019
CITIZENS FIRST STATE BANK OF WALNUT — 2019
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 46,539,000 | 45,300,000 | 47,286,000 | 46,844,000 |
| Total loans | 24,636,000 | 24,713,000 | 25,717,000 | 25,132,000 |
| Allowance for loan losses | 340,000 | 315,000 | 317,000 | 318,000 |
| Securities available for sale | 11,148,000 | 10,944,000 | 11,103,000 | 12,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,491,000 | 41,045,000 | 42,866,000 | 42,400,000 |
| Interest-bearing deposits | 34,393,000 | 33,661,000 | 34,469,000 | 33,896,000 |
| Noninterest-bearing deposits | 8,098,000 | 7,384,000 | 8,397,000 | 8,504,000 |
| Equity capital | 3,987,000 | 4,209,000 | 4,340,000 | 4,396,000 |
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 | 406,000 | 842,000 | 1,267,000 | 1,712,000 |
| Interest expense | 58,000 | 117,000 | 178,000 | 236,000 |
| Net interest income | 348,000 | 725,000 | 1,089,000 | 1,476,000 |
| Noninterest income | 30,000 | 46,000 | 137,000 | 103,000 |
| Noninterest expense | 307,000 | 639,000 | 981,000 | 1,306,000 |
| Provision for loan losses | 0 | -30,000 | -30,000 | -179,000 |
| Pretax income | 71,000 | 162,000 | 275,000 | 452,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 71,000 | 162,000 | 275,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,113,000 | 4,205,000 | 4,317,000 | 4,389,000 |
| Total capital | 4,424,000 | 4,517,000 | 4,634,000 | 4,707,000 |
| Risk-weighted assets | 24,851,000 | 24,930,000 | 27,482,000 | 25,368,000 |