Call reports 2016
CITIZENS STATE BANK — 2016
What CITIZENS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 55,573,000 | 54,285,000 | 56,381,000 | 52,842,000 |
| Total loans | 13,842,000 | 14,021,000 | 14,526,000 | 14,427,000 |
| Allowance for loan losses | 458,000 | 371,000 | 362,000 | 296,000 |
| Securities available for sale | 23,498,000 | 22,169,000 | 20,266,000 | 19,155,000 |
| Securities held to maturity | 74,000 | 74,000 | 63,000 | 63,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,590,000 | 47,175,000 | 49,233,000 | 46,071,000 |
| Interest-bearing deposits | 39,904,000 | 39,145,000 | 41,619,000 | 38,151,000 |
| Noninterest-bearing deposits | 8,686,000 | 8,030,000 | 7,614,000 | 7,920,000 |
| Equity capital | 6,926,000 | 7,054,000 | 7,070,000 | 6,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 395,000 | 808,000 | 1,209,000 | 1,626,000 |
| Interest expense | 18,000 | 37,000 | 56,000 | 75,000 |
| Net interest income | 377,000 | 771,000 | 1,153,000 | 1,551,000 |
| Noninterest income | 41,000 | 69,000 | 134,000 | 182,000 |
| Noninterest expense | 340,000 | 717,000 | 1,083,000 | 1,448,000 |
| Provision for loan losses | 0 | 0 | 0 | 46,000 |
| Pretax income | 78,000 | 123,000 | 204,000 | 239,000 |
| Income tax | 0 | 0 | 0 | 35,000 |
| Net income | 78,000 | 123,000 | 204,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,513,000 | 6,601,000 | 6,694,000 | 6,495,000 |
| Total capital | 6,735,000 | 6,819,000 | 6,923,000 | 6,711,000 |
| Risk-weighted assets | 17,420,000 | 17,257,000 | 18,159,000 | 17,055,000 |