Call reports 2021
CITIZENS STATE BANK — 2021
What CITIZENS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 83,077,000 | 85,366,000 | 85,407,000 | 88,820,000 |
| Total loans | 26,812,000 | 26,475,000 | 26,908,000 | 27,357,000 |
| Allowance for loan losses | 385,000 | 396,000 | 391,000 | 398,000 |
| Securities available for sale | 42,656,000 | 46,239,000 | 46,508,000 | 47,024,000 |
| Securities held to maturity | 1,586,000 | 1,508,000 | 1,483,000 | 1,462,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,021,000 | 59,873,000 | 59,848,000 | 63,557,000 |
| Interest-bearing deposits | 46,933,000 | 48,896,000 | 49,266,000 | 51,529,000 |
| Noninterest-bearing deposits | 11,088,000 | 10,977,000 | 10,582,000 | 12,028,000 |
| Equity capital | 10,834,000 | 11,291,000 | 11,327,000 | 11,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 517,000 | 1,040,000 | 1,584,000 | 2,119,000 |
| Interest expense | 117,000 | 226,000 | 324,000 | 413,000 |
| Net interest income | 400,000 | 814,000 | 1,260,000 | 1,706,000 |
| Noninterest income | 66,000 | 115,000 | 169,000 | 223,000 |
| Noninterest expense | 289,000 | 553,000 | 827,000 | 1,202,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 184,000 | 382,000 | 607,000 | 738,000 |
| Income tax | 10,000 | 19,000 | 32,000 | 29,000 |
| Net income | 174,000 | 363,000 | 575,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,868,000 | 10,994,000 | 11,144,000 | 11,217,000 |