Call reports 2020
CITIZENS STATE BANK — 2020
What CITIZENS STATE BANK 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 | 71,557,000 | 75,740,000 | 77,526,000 | 82,919,000 |
| Total loans | 26,797,000 | 27,016,000 | 27,943,000 | 28,541,000 |
| Allowance for loan losses | 417,000 | 415,000 | 409,000 | 411,000 |
| Securities available for sale | 33,637,000 | 37,627,000 | 39,151,000 | 40,655,000 |
| Securities held to maturity | 1,833,000 | 1,793,000 | 1,739,000 | 1,645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,830,000 | 50,387,000 | 51,990,000 | 57,242,000 |
| Interest-bearing deposits | 39,554,000 | 41,670,000 | 42,572,000 | 46,599,000 |
| Noninterest-bearing deposits | 7,276,000 | 8,717,000 | 9,418,000 | 10,643,000 |
| Equity capital | 10,441,000 | 11,096,000 | 11,238,000 | 11,421,000 |
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 | 556,000 | 1,144,000 | 1,662,000 | 2,213,000 |
| Interest expense | 211,000 | 410,000 | 580,000 | 723,000 |
| Net interest income | 345,000 | 734,000 | 1,082,000 | 1,490,000 |
| Noninterest income | 67,000 | 114,000 | 167,000 | 222,000 |
| Noninterest expense | 243,000 | 482,000 | 721,000 | 989,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 169,000 | 368,000 | 535,000 | 733,000 |
| Income tax | 8,000 | 18,000 | 27,000 | 33,000 |
| Net income | 161,000 | 350,000 | 508,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,436,000 | 10,530,000 | 10,627,000 | 10,755,000 |
| Total capital | 10,796,000 | 10,901,000 | 11,005,000 | 11,141,000 |
| Risk-weighted assets | 28,751,000 | 29,649,000 | 30,219,000 | 30,890,000 |
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