Call reports 2020
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2020
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 82,279,000 | 92,146,000 | 96,268,000 | 97,675,000 |
| Total loans | 52,841,000 | 56,003,000 | 51,631,000 | 48,099,000 |
| Allowance for loan losses | 618,000 | 692,000 | 692,000 | 689,000 |
| Securities available for sale | 13,945,000 | 14,865,000 | 17,472,000 | 22,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,359,000 | 80,739,000 | 84,525,000 | 86,014,000 |
| Interest-bearing deposits | 52,569,000 | 55,924,000 | 59,446,000 | 62,633,000 |
| Noninterest-bearing deposits | 18,790,000 | 24,815,000 | 25,079,000 | 23,381,000 |
| Equity capital | 9,797,000 | 10,259,000 | 10,592,000 | 10,939,000 |
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 | 873,000 | 1,744,000 | 2,528,000 | 3,393,000 |
| Interest expense | 102,000 | 180,000 | 255,000 | 344,000 |
| Net interest income | 771,000 | 1,564,000 | 2,273,000 | 3,049,000 |
| Noninterest income | 86,000 | 160,000 | 252,000 | 339,000 |
| Noninterest expense | 503,000 | 1,039,000 | 1,525,000 | 2,035,000 |
| Provision for loan losses | 45,000 | 105,000 | 105,000 | 105,000 |
| Pretax income | 309,000 | 580,000 | 908,000 | 1,260,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 2,000 |
| Net income | 308,000 | 578,000 | 906,000 | 1,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,575,000 | 6,726,000 | 7,065,000 | 7,420,000 |
| Total capital | 7,193,000 | 7,404,000 | 7,714,000 | 8,072,000 |
| Risk-weighted assets | 53,882,000 | 54,232,000 | 51,849,000 | 52,132,000 |