Call reports 2019
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2019
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 74,745,000 | 76,623,000 | 79,317,000 | 82,075,000 |
| Total loans | 48,958,000 | 50,203,000 | 53,221,000 | 54,622,000 |
| Allowance for loan losses | 538,000 | 538,000 | 559,000 | 589,000 |
| Securities available for sale | 12,745,000 | 12,100,000 | 11,523,000 | 12,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,176,000 | 65,630,000 | 67,840,000 | 71,320,000 |
| Interest-bearing deposits | 45,885,000 | 48,100,000 | 49,717,000 | 52,271,000 |
| Noninterest-bearing deposits | 18,291,000 | 17,530,000 | 18,123,000 | 19,049,000 |
| Equity capital | 9,173,000 | 9,530,000 | 9,803,000 | 9,804,000 |
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 | 804,000 | 1,628,000 | 2,504,000 | 3,395,000 |
| Interest expense | 64,000 | 141,000 | 247,000 | 357,000 |
| Net interest income | 740,000 | 1,487,000 | 2,257,000 | 3,038,000 |
| Noninterest income | 80,000 | 178,000 | 281,000 | 378,000 |
| Noninterest expense | 508,000 | 1,047,000 | 1,565,000 | 2,140,000 |
| Provision for loan losses | 0 | 0 | 21,000 | 51,000 |
| Pretax income | 312,000 | 614,000 | 948,000 | 1,221,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 312,000 | 613,000 | 947,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,205,000 | 6,403,000 | 6,633,000 | 6,641,000 |
| Total capital | 6,743,000 | 6,941,000 | 7,192,000 | 7,230,000 |
| Risk-weighted assets | 48,729,000 | 49,504,000 | 52,716,000 | 54,749,000 |