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 | 624,511,000 | 625,478,000 | 642,233,000 | 653,894,000 |
| Total loans | 398,917,000 | 410,901,000 | 416,962,000 | 427,475,000 |
| Allowance for loan losses | 4,593,000 | 4,525,000 | 4,612,000 | 4,691,000 |
| Securities available for sale | 127,258,000 | 128,740,000 | 121,344,000 | 127,918,000 |
| Securities held to maturity | 2,264,000 | 2,213,000 | 1,969,000 | 2,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 553,126,000 | 549,972,000 | 563,109,000 | 575,700,000 |
| Interest-bearing deposits | 466,065,000 | 463,027,000 | 470,783,000 | 467,528,000 |
| Noninterest-bearing deposits | 87,061,000 | 86,945,000 | 92,326,000 | 108,172,000 |
| Equity capital | 64,339,000 | 67,878,000 | 70,391,000 | 72,149,000 |
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 | 7,039,000 | 14,619,000 | 22,480,000 | 30,395,000 |
| Interest expense | 991,000 | 2,172,000 | 3,411,000 | 4,616,000 |
| Net interest income | 6,048,000 | 12,447,000 | 19,069,000 | 25,779,000 |
| Noninterest income | 1,083,000 | 2,266,000 | 3,292,000 | 4,537,000 |
| Noninterest expense | 3,898,000 | 8,117,000 | 12,255,000 | 16,890,000 |
| Provision for loan losses | 479,000 | 728,000 | 988,000 | 1,188,000 |
| Pretax income | 2,754,000 | 5,868,000 | 9,118,000 | 12,230,000 |
| Income tax | 539,000 | 1,159,000 | 1,798,000 | 2,426,000 |
| Net income | 2,215,000 | 4,709,000 | 7,320,000 | 9,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,224,000 | 66,731,000 | 69,244,000 | 71,005,000 |
| Total capital | 68,817,000 | 71,256,000 | 73,857,000 | 75,696,000 |
| Risk-weighted assets | 409,777,000 | 419,683,000 | 429,193,000 | 440,468,000 |