Call reports 2020
CITIZENS STATE BANK — 2020
What CITIZENS STATE BANK 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 | 55,376,000 | 63,047,000 | 64,238,000 | 63,645,000 |
| Total loans | 14,511,000 | 15,127,000 | 15,497,000 | 16,050,000 |
| Allowance for loan losses | 215,000 | 258,000 | 399,000 | 369,000 |
| Securities available for sale | 14,739,000 | 15,218,000 | 15,147,000 | 9,082,000 |
| Securities held to maturity | 292,000 | 227,000 | 227,000 | 214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,561,000 | 55,420,000 | 56,948,000 | 53,027,000 |
| Interest-bearing deposits | 40,154,000 | 41,299,000 | 44,581,000 | 43,107,000 |
| Noninterest-bearing deposits | 7,407,000 | 14,121,000 | 12,367,000 | 9,920,000 |
| Equity capital | 7,673,000 | 7,015,000 | 6,896,000 | 10,546,000 |
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 | 438,000 | 838,000 | 1,228,000 | 1,585,000 |
| Interest expense | 18,000 | 37,000 | 59,000 | 80,000 |
| Net interest income | 420,000 | 801,000 | 1,169,000 | 1,505,000 |
| Noninterest income | 48,000 | 87,000 | 133,000 | 167,000 |
| Noninterest expense | 363,000 | 1,173,000 | 1,544,000 | 1,594,000 |
| Provision for loan losses | 10,000 | 48,000 | 200,000 | 200,000 |
| Pretax income | 95,000 | -333,000 | -442,000 | 501,000 |
| Income tax | 0 | 312,000 | 312,000 | 312,000 |
| Net income | 95,000 | -645,000 | -754,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,122,000 | 6,694,000 | 6,585,000 | 10,527,000 |
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