Call reports 2019
CITIZENS STATE BANK — 2019
What CITIZENS STATE BANK 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 | 33,634,000 | 32,065,000 | 32,059,000 | 34,869,000 |
| Total loans | 14,458,000 | 16,627,000 | 17,864,000 | 14,101,000 |
| Allowance for loan losses | 285,000 | 180,000 | 172,000 | 157,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,128,000 | 1,109,000 | 1,093,000 | 1,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,364,000 | 28,782,000 | 28,688,000 | 31,506,000 |
| Interest-bearing deposits | 24,125,000 | 23,499,000 | 23,837,000 | 24,342,000 |
| Noninterest-bearing deposits | 6,239,000 | 5,283,000 | 4,851,000 | 7,164,000 |
| Equity capital | 3,213,000 | 3,197,000 | 3,251,000 | 3,290,000 |
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 | 330,000 | 677,000 | 1,042,000 | 1,407,000 |
| Interest expense | 60,000 | 121,000 | 182,000 | 241,000 |
| Net interest income | 270,000 | 556,000 | 860,000 | 1,166,000 |
| Noninterest income | 23,000 | 42,000 | 70,000 | 98,000 |
| Noninterest expense | 254,000 | 483,000 | 720,000 | 1,005,000 |
| Provision for loan losses | 0 | 97,000 | 127,000 | 127,000 |
| Pretax income | 39,000 | 18,000 | 83,000 | 132,000 |
| Income tax | 7,000 | 1,000 | 13,000 | 22,000 |
| Net income | 32,000 | 17,000 | 70,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,213,000 | 3,197,000 | 3,251,000 | 3,290,000 |
| Total capital | 3,439,000 | 3,377,000 | 3,423,000 | 3,447,000 |
| Risk-weighted assets | 18,036,000 | 21,643,000 | 22,106,000 | 19,837,000 |