Call reports 2019
CITIZENS STATE BANK — 2019
What CITIZENS STATE BANK 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 | 55,965,000 | 54,996,000 | 56,550,000 | 52,582,000 |
| Total loans | 13,948,000 | 14,085,000 | 14,805,000 | 14,990,000 |
| Allowance for loan losses | 338,000 | 323,000 | 300,000 | 213,000 |
| Securities available for sale | 18,453,000 | 17,989,000 | 17,048,000 | 15,730,000 |
| Securities held to maturity | 369,000 | 304,000 | 292,000 | 292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,992,000 | 47,723,000 | 49,116,000 | 45,140,000 |
| Interest-bearing deposits | 41,340,000 | 39,872,000 | 40,952,000 | 37,127,000 |
| Noninterest-bearing deposits | 7,652,000 | 7,851,000 | 8,164,000 | 8,013,000 |
| Equity capital | 6,875,000 | 7,181,000 | 7,347,000 | 7,374,000 |
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 | 404,000 | 817,000 | 1,235,000 | 1,657,000 |
| Interest expense | 22,000 | 45,000 | 64,000 | 85,000 |
| Net interest income | 382,000 | 772,000 | 1,171,000 | 1,572,000 |
| Noninterest income | 37,000 | 77,000 | 120,000 | 149,000 |
| Noninterest expense | 342,000 | 706,000 | 1,045,000 | 1,414,000 |
| Provision for loan losses | 110,000 | 110,000 | 110,000 | 110,000 |
| Pretax income | -33,000 | 33,000 | 136,000 | 197,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -33,000 | 33,000 | 136,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,756,000 | 6,891,000 | 6,994,000 | 7,027,000 |
| Total capital | 6,956,000 | 7,088,000 | 7,208,000 | 7,234,000 |
| Risk-weighted assets | 15,895,000 | 15,698,000 | 17,040,000 | 16,590,000 |
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