Call reports 2016
CITIZENS STATE BANK — 2016
What CITIZENS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 80,284,000 | 77,303,000 | 77,568,000 | 76,288,000 |
| Total loans | 22,940,000 | 22,639,000 | 22,768,000 | 21,464,000 |
| Allowance for loan losses | 894,000 | 897,000 | 922,000 | 331,000 |
| Securities available for sale | 42,731,000 | 42,586,000 | 43,229,000 | 41,795,000 |
| Securities held to maturity | 4,331,000 | 4,037,000 | 3,727,000 | 3,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,820,000 | 55,514,000 | 55,551,000 | 55,603,000 |
| Interest-bearing deposits | 52,543,000 | 49,583,000 | 49,648,000 | 49,632,000 |
| Noninterest-bearing deposits | 6,277,000 | 5,931,000 | 5,903,000 | 5,971,000 |
| Equity capital | 10,176,000 | 10,529,000 | 10,734,000 | 9,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 551,000 | 1,094,000 | 1,624,000 | 2,166,000 |
| Interest expense | 176,000 | 345,000 | 465,000 | 588,000 |
| Net interest income | 375,000 | 749,000 | 1,159,000 | 1,578,000 |
| Noninterest income | 34,000 | 53,000 | 97,000 | 137,000 |
| Noninterest expense | 238,000 | 478,000 | 745,000 | 1,035,000 |
| Provision for loan losses | 300,000 | 300,000 | 300,000 | 865,000 |
| Pretax income | -117,000 | 46,000 | 233,000 | -163,000 |
| Income tax | 9,000 | 9,000 | 9,000 | -21,000 |
| Net income | -126,000 | 37,000 | 224,000 | -142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,053,000 | 10,157,000 | 10,284,000 | 9,855,000 |
| Total capital | 10,421,000 | 10,509,000 | 10,635,000 | 10,186,000 |
| Risk-weighted assets | 28,888,000 | 27,638,000 | 27,484,000 | 26,940,000 |