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 | 664,804,000 | 712,661,000 | 732,851,000 | 776,470,000 |
| Total loans | 429,673,000 | 463,900,000 | 469,287,000 | 475,118,000 |
| Allowance for loan losses | 4,868,000 | 5,372,000 | 5,202,000 | 5,120,000 |
| Securities available for sale | 141,244,000 | 132,732,000 | 145,661,000 | 181,089,000 |
| Securities held to maturity | 5,129,000 | 6,319,000 | 10,564,000 | 10,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 580,402,000 | 622,637,000 | 642,615,000 | 687,208,000 |
| Interest-bearing deposits | 480,397,000 | 501,683,000 | 520,420,000 | 543,576,000 |
| Noninterest-bearing deposits | 100,005,000 | 120,954,000 | 122,195,000 | 143,632,000 |
| Equity capital | 76,301,000 | 80,148,000 | 81,440,000 | 83,012,000 |
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 | 7,930,000 | 17,013,000 | 24,796,000 | 32,562,000 |
| Interest expense | 1,171,000 | 2,156,000 | 3,065,000 | 3,905,000 |
| Net interest income | 6,759,000 | 14,857,000 | 21,731,000 | 28,657,000 |
| Noninterest income | 1,214,000 | 2,216,000 | 3,249,000 | 4,370,000 |
| Noninterest expense | 4,127,000 | 8,846,000 | 13,221,000 | 18,083,000 |
| Provision for loan losses | 265,000 | 930,000 | 945,000 | 1,050,000 |
| Pretax income | 3,599,000 | 7,338,000 | 10,856,000 | 13,933,000 |
| Income tax | 716,000 | 1,461,000 | 2,181,000 | 2,778,000 |
| Net income | 2,883,000 | 5,877,000 | 8,675,000 | 11,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,688,000 | 76,382,000 | 78,080,000 | 79,782,000 |
| Total capital | 78,556,000 | 81,754,000 | — | — |
| Risk-weighted assets | 445,029,000 | 484,563,000 | — | — |