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 | 462,434,000 | 448,382,000 | 444,738,000 | 462,426,000 |
| Total loans | 267,987,000 | 275,077,000 | 285,266,000 | 297,058,000 |
| Allowance for loan losses | 3,136,000 | 3,150,000 | 3,250,000 | 3,401,000 |
| Securities available for sale | 104,484,000 | 100,773,000 | 89,916,000 | 91,609,000 |
| Securities held to maturity | 4,833,000 | 4,826,000 | 4,383,000 | 4,378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,099,000 | 394,018,000 | 388,424,000 | 408,078,000 |
| Interest-bearing deposits | 373,457,000 | 360,767,000 | 351,195,000 | 368,598,000 |
| Noninterest-bearing deposits | 36,642,000 | 33,251,000 | 37,229,000 | 39,480,000 |
| Equity capital | 47,288,000 | 48,745,000 | 49,947,000 | 50,055,000 |
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 | 4,747,000 | 9,522,000 | 14,449,000 | 19,519,000 |
| Interest expense | 241,000 | 457,000 | 671,000 | 886,000 |
| Net interest income | 4,506,000 | 9,065,000 | 13,778,000 | 18,633,000 |
| Noninterest income | 953,000 | 1,941,000 | 2,935,000 | 3,931,000 |
| Noninterest expense | 3,278,000 | 6,704,000 | 10,391,000 | 14,243,000 |
| Provision for loan losses | 147,000 | 294,000 | 453,000 | 914,000 |
| Pretax income | 2,034,000 | 4,008,000 | 5,869,000 | 7,407,000 |
| Income tax | 607,000 | 1,205,000 | 1,784,000 | 2,222,000 |
| Net income | 1,427,000 | 2,803,000 | 4,085,000 | 5,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,744,000 | 48,119,000 | 49,402,000 | 49,950,000 |
| Total capital | 49,889,000 | 51,282,000 | 52,662,000 | 53,351,000 |
| Risk-weighted assets | 286,643,000 | 290,906,000 | 300,977,000 | 312,854,000 |