Call reports 2021
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2021
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 102,868,000 | 110,786,000 | 121,202,000 | 122,016,000 |
| Total loans | 49,928,000 | 46,219,000 | 46,160,000 | 49,340,000 |
| Allowance for loan losses | 689,000 | 689,000 | 689,000 | 749,000 |
| Securities available for sale | 27,274,000 | 35,836,000 | 45,296,000 | 48,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,461,000 | 99,052,000 | 109,500,000 | 110,539,000 |
| Interest-bearing deposits | 63,523,000 | 67,305,000 | 72,767,000 | 75,240,000 |
| Noninterest-bearing deposits | 27,938,000 | 31,747,000 | 36,733,000 | 35,299,000 |
| Equity capital | 10,573,000 | 11,022,000 | 11,222,000 | 11,116,000 |
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 | 807,000 | 1,676,000 | 2,657,000 | 3,452,000 |
| Interest expense | 59,000 | 123,000 | 178,000 | 229,000 |
| Net interest income | 748,000 | 1,553,000 | 2,479,000 | 3,223,000 |
| Noninterest income | 172,000 | 267,000 | 357,000 | 442,000 |
| Noninterest expense | 511,000 | 1,076,000 | 1,700,000 | 2,243,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 409,000 | 744,000 | 1,136,000 | 1,362,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 104,000 |
| Net income | 405,000 | 740,000 | 1,132,000 | 1,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,562,000 | 7,864,000 | 8,268,000 | 8,404,000 |
| Total capital | 8,240,000 | 8,517,000 | 8,957,000 | 9,139,000 |
| Risk-weighted assets | 54,238,000 | 52,239,000 | 55,621,000 | 58,776,000 |
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