Call reports 2020
CITIZENS FIRST STATE BANK OF WALNUT — 2020
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 48,621,000 | 52,588,000 | 53,281,000 | 55,183,000 |
| Total loans | 24,340,000 | 24,704,000 | 25,730,000 | 24,434,000 |
| Allowance for loan losses | 269,000 | 269,000 | 270,000 | 272,000 |
| Securities available for sale | 12,712,000 | 13,168,000 | 12,185,000 | 15,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,016,000 | 47,785,000 | 48,390,000 | 50,293,000 |
| Interest-bearing deposits | 34,784,000 | 36,659,000 | 38,255,000 | 39,229,000 |
| Noninterest-bearing deposits | 9,232,000 | 11,126,000 | 10,135,000 | 11,064,000 |
| Equity capital | 4,545,000 | 4,730,000 | 4,786,000 | 4,816,000 |
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 | 423,000 | 870,000 | 1,256,000 | 1,621,000 |
| Interest expense | 52,000 | 98,000 | 135,000 | 172,000 |
| Net interest income | 371,000 | 772,000 | 1,121,000 | 1,449,000 |
| Noninterest income | 23,000 | 41,000 | 62,000 | 83,000 |
| Noninterest expense | 348,000 | 686,000 | 1,011,000 | 1,302,000 |
| Provision for loan losses | -50,000 | -50,000 | -50,000 | -50,000 |
| Pretax income | 96,000 | 177,000 | 222,000 | 280,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 96,000 | 177,000 | 222,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,435,000 | 4,516,000 | 4,561,000 | 4,610,000 |
| Total capital | 4,704,000 | 4,785,000 | 4,831,000 | 4,882,000 |
| Risk-weighted assets | 26,839,000 | 26,370,000 | 28,634,000 | 26,236,000 |