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 | 69,595,000 | 70,002,000 | 71,515,000 | 72,082,000 |
| Total loans | 25,017,000 | 26,617,000 | 26,382,000 | 26,450,000 |
| Allowance for loan losses | 455,000 | 460,000 | 414,000 | 416,000 |
| Securities available for sale | 35,862,000 | 36,089,000 | 35,256,000 | 35,235,000 |
| Securities held to maturity | 2,138,000 | 2,057,000 | 1,992,000 | 1,891,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,043,000 | 44,896,000 | 46,278,000 | 46,907,000 |
| Interest-bearing deposits | 38,467,000 | 38,438,000 | 38,979,000 | 40,127,000 |
| Noninterest-bearing deposits | 6,576,000 | 6,458,000 | 7,299,000 | 6,780,000 |
| Equity capital | 10,251,000 | 10,803,000 | 10,891,000 | 10,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 556,000 | 1,173,000 | 1,747,000 | 2,337,000 |
| Interest expense | 192,000 | 399,000 | 615,000 | 828,000 |
| Net interest income | 364,000 | 774,000 | 1,132,000 | 1,509,000 |
| Noninterest income | 77,000 | 140,000 | 205,000 | 272,000 |
| Noninterest expense | 249,000 | 476,000 | 714,000 | 957,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 192,000 | 438,000 | 626,000 | 827,000 |
| Income tax | 11,000 | 24,000 | 35,000 | 38,000 |
| Net income | 181,000 | 414,000 | 591,000 | 789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,318,000 | 10,489,000 | 10,562,000 | 10,697,000 |
| Total capital | 10,660,000 | 10,845,000 | 10,918,000 | 11,053,000 |
| Risk-weighted assets | 27,213,000 | 28,377,000 | 28,414,000 | 28,453,000 |